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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 | $45,842 | $73,978-38.0% | $96,515-52.5% | $75,173-39.0% |
| Participation rate | 44.7% | 66.4%-21.7pp | 74.3%-29.6pp | 67.2%-22.5pp |
| Annual return | 16.93% | 26.72%-9.8pp | 35.73%-18.8pp | 160.72%-143.8pp |
| Employer contribution / active EE | $1,059 | $2,931-63.9% | $3,740-71.7% | $2,671-60.4% |
| Participant deferral / active EE | $2,830 | $3,660-22.7% | $4,880-42.0% | $4,126-31.4% |
| Admin fee / account holder | $1,392 | $5,219-73.3% | $6,735-79.3% | $5,651-75.4% |