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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 | $59,759 | $96,731-38.2% | $123,973-51.8% | $86,983-31.3% |
| Participation rate | 38.3% | 70.0%-31.7pp | 76.7%-38.3pp | 69.5%-31.2pp |
| Annual return | 18.22% | 17.33%+0.9pp | 388.13%-369.9pp | 25.83%-7.6pp |
| Employer contribution / active EE | $1,088 | $3,297-67.0% | $4,126-73.6% | $2,584-57.9% |
| Participant deferral / active EE | $3,450 | $4,152-16.9% | $5,247-34.2% | $4,194-17.7% |
| Admin fee / account holder | $2,115 | $8,722-75.8% | $11,799-82.1% | $7,856-73.1% |