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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 | $46,712 | $77,901-40.0% | $149,717-68.8% | $75,181-37.9% |
| Participation rate | 48.6% | 65.6%-16.9pp | 78.8%-30.1pp | 67.2%-18.5pp |
| Annual return | 21.36% | 31.73%-10.4pp | 134.41%-113.0pp | 160.69%-139.3pp |
| Employer contribution / active EE | $1,730 | $3,137-44.9% | $4,820-64.1% | $2,671-35.2% |
| Participant deferral / active EE | $2,937 | $3,411-13.9% | $5,682-48.3% | $4,126-28.8% |
| Admin fee / account holder | $1,100 | $5,949-81.5% | $13,213-91.7% | $5,650-80.5% |