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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 | $45,759 | $88,672-48.4% | $105,223-56.5% | $82,448-44.5% |
| Participation rate | 59.6% | 67.9%-8.4pp | 75.0%-15.5pp | 68.1%-8.5pp |
| Annual return | 20.06% | 30.86%-10.8pp | 180.65%-160.6pp | 41.64%-21.6pp |
| Employer contribution / active EE | $1,257 | $3,048-58.8% | $3,689-65.9% | $2,551-50.7% |
| Participant deferral / active EE | $2,554 | $4,036-36.7% | $5,072-49.6% | $4,139-38.3% |
| Admin fee / account holder | $7,562 | $7,146+5.8% | $8,859-14.6% | $7,234+4.5% |