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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 | $44,709 | $76,407-41.5% | $150,298-70.3% | $82,448-45.8% |
| Participation rate | 65.9% | 66.4%-0.5pp | 77.8%-11.9pp | 68.1%-2.2pp |
| Annual return | 14.41% | 39.99%-25.6pp | 62.79%-48.4pp | 41.64%-27.2pp |
| Employer contribution / active EE | $688 | $2,614-73.7% | $4,154-83.4% | $2,551-73.0% |
| Participant deferral / active EE | $2,381 | $3,214-25.9% | $5,453-56.3% | $4,139-42.5% |
| Admin fee / account holder | $8,206 | $6,352+29.2% | $14,116-41.9% | $7,234+13.4% |