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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 | $49,976-13.2% | $66,674-34.9% | $82,637-47.5% |
| Participation rate | 42.5% | 63.1%-20.6pp | 73.7%-31.2pp | 68.1%-25.6pp |
| Annual return | 16.31% | 39.09%-22.8pp | 321.24%-304.9pp | 53.51%-37.2pp |
| Employer contribution / active EE | $1,749 | $1,988-12.0% | $2,620-33.2% | $2,552-31.5% |
| Participant deferral / active EE | $3,152 | $2,847+10.7% | $4,084-22.8% | $4,126-23.6% |
| Admin fee / account holder | $8,261 | $4,594+79.8% | $5,098+62.0% | $7,339+12.6% |