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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 | $45,304 | $81,358-44.3% | $155,556-70.9% | $80,959-44.0% |
| Participation rate | 48.4% | 66.3%-17.9pp | 78.2%-29.8pp | 67.7%-19.3pp |
| Annual return | 11.40% | 33.39%-22.0pp | 64.84%-53.4pp | 35.67%-24.3pp |
| Employer contribution / active EE | $1,916 | $3,106-38.3% | $4,675-59.0% | $2,757-30.5% |
| Participant deferral / active EE | $3,013 | $3,455-12.8% | $5,631-46.5% | $4,300-29.9% |
| Admin fee / account holder | $14,359 | $7,994+79.6% | $15,885-9.6% | $6,925+107.3% |