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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 | $42,619 | $87,037-51.0% | $106,201-59.9% | $80,874-47.3% |
| Participation rate | 43.2% | 70.4%-27.2pp | 75.3%-32.0pp | 67.6%-24.4pp |
| Annual return | 11.04% | 17.05%-6.0pp | 116.26%-105.2pp | 35.62%-24.6pp |
| Employer contribution / active EE | $1,150 | $2,396-52.0% | $3,170-63.7% | $2,756-58.3% |
| Participant deferral / active EE | $4,338 | $3,986+8.8% | $5,012-13.5% | $4,297+0.9% |
| Admin fee / account holder | $43,970 | $8,434+421.3% | $11,039+298.3% | $6,935+534.0% |