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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 | $43,390 | $51,638-16.0% | $68,368-36.5% | $82,448-47.4% |
| Participation rate | 42.5% | 63.6%-21.1pp | 73.8%-31.3pp | 68.1%-25.6pp |
| Annual return | 16.31% | 37.53%-21.2pp | 292.57%-276.3pp | 41.64%-25.3pp |
| Employer contribution / active EE | $1,749 | $2,047-14.5% | $2,649-34.0% | $2,551-31.4% |
| Participant deferral / active EE | $3,152 | $2,914+8.2% | $4,123-23.5% | $4,139-23.9% |
| Admin fee / account holder | $8,261 | $4,643+77.9% | $5,150+60.4% | $7,234+14.2% |