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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 | $7,008 | $51,202-86.3% | $70,548-90.1% | $75,181-90.7% |
| Participation rate | 44.0% | 61.0%-17.0pp | 68.3%-24.3pp | 67.2%-23.2pp |
| Annual return | 57.49% | 30.05%+27.4pp | 32.78%+24.7pp | 160.69%-103.2pp |
| Employer contribution / active EE | $1,318 | $1,827-27.8% | $2,975-55.7% | $2,671-50.6% |
| Participant deferral / active EE | $2,125 | $2,850-25.4% | $4,567-53.5% | $4,126-48.5% |
| Admin fee / account holder | $890 | $4,094-78.3% | $6,424-86.1% | $5,650-84.2% |