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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 | $64,920-33.2% | $103,693-58.2% | $86,983-50.1% |
| Participation rate | 42.5% | 63.6%-21.1pp | 72.6%-30.2pp | 69.5%-27.1pp |
| Annual return | 16.31% | 30.29%-14.0pp | 47.61%-31.3pp | 25.83%-9.5pp |
| Employer contribution / active EE | $1,749 | $2,141-18.3% | $2,920-40.1% | $2,584-32.3% |
| Participant deferral / active EE | $3,152 | $3,241-2.7% | $4,579-31.2% | $4,194-24.8% |
| Admin fee / account holder | $8,261 | $6,191+33.4% | $7,858+5.1% | $7,856+5.2% |