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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 | $43,006 | $80,983-46.9% | $96,544-55.5% | $75,177-42.8% |
| Participation rate | 53.2% | 71.8%-18.6pp | 76.0%-22.8pp | 67.2%-14.0pp |
| Annual return | 13.26% | 27.05%-13.8pp | 25.88%-12.6pp | 160.75%-147.5pp |
| Employer contribution / active EE | $1,444 | $2,282-36.7% | $2,966-51.3% | $2,671-45.9% |
| Participant deferral / active EE | $2,732 | $3,929-30.5% | $4,851-43.7% | $4,126-33.8% |
| Admin fee / account holder | $657 | $6,717-90.2% | $8,254-92.0% | $5,651-88.4% |