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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $51,801 | $73,978-30.0% | $96,515-46.3% | $75,173-31.1% |
| Participation rate | 40.0% | 66.4%-26.4pp | 74.3%-34.3pp | 67.2%-27.2pp |
| Annual return | 17.10% | 26.72%-9.6pp | 35.73%-18.6pp | 160.72%-143.6pp |
| Employer contribution / active EE | $1,888 | $2,931-35.6% | $3,740-49.5% | $2,671-29.3% |
| Participant deferral / active EE | $3,048 | $3,660-16.7% | $4,880-37.5% | $4,126-26.1% |
| Admin fee / account holder | $2,144 | $5,219-58.9% | $6,735-68.2% | $5,651-62.1% |