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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 | $46,520 | $88,672-47.5% | $105,223-55.8% | $82,448-43.6% |
| Participation rate | 28.6% | 67.9%-39.4pp | 75.0%-46.5pp | 68.1%-39.5pp |
| Annual return | 14.87% | 30.86%-16.0pp | 180.65%-165.8pp | 41.64%-26.8pp |
| Employer contribution / active EE | $1,427 | $3,048-53.2% | $3,689-61.3% | $2,551-44.0% |
| Participant deferral / active EE | $5,999 | $4,036+48.6% | $5,072+18.3% | $4,139+44.9% |
| Admin fee / account holder | $9,991 | $7,146+39.8% | $8,859+12.8% | $7,234+38.1% |