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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 | $44,006 | $86,938-49.4% | $102,423-57.0% | $80,925-45.6% |
| Participation rate | 43.3% | 72.4%-29.0pp | 76.5%-33.2pp | 67.7%-24.3pp |
| Annual return | 20.30% | 18.89%+1.4pp | 29.42%-9.1pp | 35.65%-15.3pp |
| Employer contribution / active EE | $1,531 | $2,369-35.4% | $3,023-49.4% | $2,756-44.5% |
| Participant deferral / active EE | $2,353 | $4,120-42.9% | $5,054-53.4% | $4,299-45.3% |
| Admin fee / account holder | $1,092 | $8,053-86.4% | $9,455-88.5% | $6,940-84.3% |