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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 | $30,703 | $77,638-60.5% | $156,551-80.4% | $62,881-51.2% |
| Participation rate | 39.3% | 71.2%-31.9pp | 84.0%-44.7pp | 69.3%-30.0pp |
| Annual return | 8.10% | 50.33%-42.2pp | 32.23%-24.1pp | 20.14%-12.0pp |
| Employer contribution / active EE | $1,125 | $3,444-67.3% | $5,501-79.5% | $2,281-50.7% |
| Participant deferral / active EE | $1,626 | $3,046-46.6% | $4,871-66.6% | $3,203-49.2% |
| Admin fee / account holder | $455 | $5,561-91.8% | $13,028-96.5% | $4,296-89.4% |