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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 | $48,554 | $99,652-51.3% | $78,778-38.4% | $147,586-67.1% |
| Participation rate | 42.9% | 76.2%-33.4pp | 69.2%-26.3pp | 82.8%-40.0pp |
| Annual return | 18.75% | 47.28%-28.5pp | 35.62%-16.9pp | 578.59%-559.8pp |
| Employer contribution / active EE | $1,014 | $2,796-63.7% | $1,986-48.9% | $4,876-79.2% |
| Participant deferral / active EE | $3,872 | $3,664+5.7% | $2,958+30.9% | $5,439-28.8% |
| Admin fee / account holder | $751 | $7,155-89.5% | $5,134-85.4% | $10,886-93.1% |