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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 | $40,781 | $61,356-33.5% | $149,696-72.8% | $71,511-43.0% |
| Participation rate | 42.2% | 62.5%-20.3pp | 78.8%-36.5pp | 67.9%-25.7pp |
| Annual return | 18.31% | 35.86%-17.6pp | 134.46%-116.2pp | 28.86%-10.5pp |
| Employer contribution / active EE | $1,280 | $2,382-46.2% | $4,821-73.4% | $2,589-50.5% |
| Participant deferral / active EE | $2,376 | $2,920-18.6% | $5,682-58.2% | $4,291-44.6% |
| Admin fee / account holder | $5,650 | $1,263+347.3% | $13,212-57.2% | $1,588+255.7% |