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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 | $47,755 | $58,848-18.8% | $88,179-45.8% | $82,637-42.2% |
| Participation rate | 35.7% | 57.9%-22.2pp | 69.1%-33.4pp | 68.1%-32.3pp |
| Annual return | 20.31% | 22.76%-2.4pp | 64.97%-44.7pp | 53.51%-33.2pp |
| Employer contribution / active EE | $1,196 | $1,678-28.8% | $2,549-53.1% | $2,552-53.1% |
| Participant deferral / active EE | $3,333 | $3,124+6.7% | $4,614-27.8% | $4,126-19.2% |
| Admin fee / account holder | $10,826 | $4,795+125.8% | $7,673+41.1% | $7,339+47.5% |