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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 | $41,225 | $106,749-61.4% | $145,433-71.7% | $82,448-50.0% |
| Participation rate | 45.2% | 75.6%-30.5pp | 82.1%-37.0pp | 68.1%-22.9pp |
| Annual return | 18.87% | 27.59%-8.7pp | 66.58%-47.7pp | 41.64%-22.8pp |
| Employer contribution / active EE | $1,232 | $3,444-64.2% | $4,554-72.9% | $2,551-51.7% |
| Participant deferral / active EE | $3,276 | $6,519-49.8% | $7,897-58.5% | $4,139-20.9% |
| Admin fee / account holder | $3,405 | $8,390-59.4% | $13,129-74.1% | $7,234-52.9% |