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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 | $43,000 | $48,364-11.1% | $71,796-40.1% | $62,881-31.6% |
| Participation rate | 55.3% | 60.6%-5.3pp | 69.1%-13.8pp | 69.3%-14.0pp |
| Annual return | 18.31% | 13.16%+5.2pp | 78.04%-59.7pp | 20.14%-1.8pp |
| Employer contribution / active EE | $616 | $1,042-40.8% | $1,924-68.0% | $2,281-73.0% |
| Participant deferral / active EE | $2,679 | $2,091+28.1% | $2,794-4.1% | $3,203-16.4% |
| Admin fee / account holder | $324 | $3,771-91.4% | $4,815-93.3% | $4,296-92.4% |