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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 | $48,478 | $76,407-36.6% | $150,298-67.7% | $82,448-41.2% |
| Participation rate | 60.0% | 66.4%-6.4pp | 77.8%-17.8pp | 68.1%-8.1pp |
| Annual return | 17.26% | 39.99%-22.7pp | 62.79%-45.5pp | 41.64%-24.4pp |
| Employer contribution / active EE | $1,485 | $2,614-43.2% | $4,154-64.3% | $2,551-41.8% |
| Participant deferral / active EE | $3,951 | $3,214+22.9% | $5,453-27.5% | $4,139-4.6% |
| Admin fee / account holder | $806 | $6,352-87.3% | $14,116-94.3% | $7,234-88.9% |