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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 | $44,783 | $61,356-27.0% | $149,696-70.1% | $71,511-37.4% |
| Participation rate | 45.8% | 62.5%-16.7pp | 78.8%-32.9pp | 67.9%-22.1pp |
| Annual return | 21.03% | 35.86%-14.8pp | 134.46%-113.4pp | 28.86%-7.8pp |
| Employer contribution / active EE | $1,428 | $2,382-40.0% | $4,821-70.4% | $2,589-44.8% |
| Participant deferral / active EE | $3,156 | $2,920+8.1% | $5,682-44.5% | $4,291-26.4% |
| Admin fee / account holder | $1,416 | $1,263+12.1% | $13,212-89.3% | $1,588-10.8% |