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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 | $20,910 | $73,978-71.7% | $96,515-78.3% | $75,173-72.2% |
| Participation rate | 45.0% | 66.4%-21.4pp | 74.3%-29.3pp | 67.2%-22.2pp |
| Annual return | 14.61% | 26.72%-12.1pp | 35.73%-21.1pp | 160.72%-146.1pp |
| Employer contribution / active EE | $1,469 | $2,931-49.9% | $3,740-60.7% | $2,671-45.0% |
| Participant deferral / active EE | $3,155 | $3,660-13.8% | $4,880-35.4% | $4,126-23.5% |
| Admin fee / account holder | $9,329 | $5,219+78.8% | $6,735+38.5% | $5,651+65.1% |