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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 | $44,506 | $79,955-44.3% | $98,450-54.8% | $75,181-40.8% |
| Participation rate | 35.8% | 70.4%-34.5pp | 75.2%-39.3pp | 67.2%-31.4pp |
| Annual return | 18.01% | 19.75%-1.7pp | 21.16%-3.2pp | 160.69%-142.7pp |
| Employer contribution / active EE | $1,195 | $2,264-47.2% | $3,049-60.8% | $2,671-55.3% |
| Participant deferral / active EE | $1,878 | $3,752-49.9% | $4,739-60.4% | $4,126-54.5% |
| Admin fee / account holder | $4,177 | $6,841-38.9% | $8,961-53.4% | $5,650-26.1% |