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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 | $43,596 | $77,638-43.8% | $156,551-72.2% | $62,881-30.7% |
| Participation rate | 39.0% | 71.2%-32.2pp | 84.0%-45.0pp | 69.3%-30.3pp |
| Annual return | 6.60% | 50.33%-43.7pp | 32.23%-25.6pp | 20.14%-13.5pp |
| Employer contribution / active EE | $459 | $3,444-86.7% | $5,501-91.7% | $2,281-79.9% |
| Participant deferral / active EE | $1,744 | $3,046-42.7% | $4,871-64.2% | $3,203-45.6% |
| Admin fee / account holder | $1,806 | $5,561-67.5% | $13,028-86.1% | $4,296-57.9% |