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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 | $42,604 | $48,364-11.9% | $71,796-40.7% | $62,881-32.2% |
| Participation rate | 48.6% | 60.6%-12.1pp | 69.1%-20.5pp | 69.3%-20.7pp |
| Annual return | 8.48% | 13.16%-4.7pp | 78.04%-69.6pp | 20.14%-11.7pp |
| Employer contribution / active EE | $1,411 | $1,042+35.5% | $1,924-26.7% | $2,281-38.1% |
| Participant deferral / active EE | $3,080 | $2,091+47.3% | $2,794+10.2% | $3,203-3.8% |
| Admin fee / account holder | $424 | $3,771-88.8% | $4,815-91.2% | $4,296-90.1% |