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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 | $43,884 | $76,407-42.6% | $150,298-70.8% | $82,448-46.8% |
| Participation rate | 68.3% | 66.4%+1.9pp | 77.8%-9.5pp | 68.1%+0.2pp |
| Annual return | 39.02% | 39.99%-1.0pp | 62.79%-23.8pp | 41.64%-2.6pp |
| Employer contribution / active EE | $430 | $2,614-83.6% | $4,154-89.7% | $2,551-83.1% |
| Participant deferral / active EE | $1,731 | $3,214-46.1% | $5,453-68.3% | $4,139-58.2% |
| Admin fee / account holder | $18,475 | $6,352+190.9% | $14,116+30.9% | $7,234+155.4% |