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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 | $47,486 | $88,672-46.4% | $105,223-54.9% | $82,448-42.4% |
| Participation rate | 39.2% | 67.9%-28.7pp | 75.0%-35.8pp | 68.1%-28.9pp |
| Annual return | 19.74% | 30.86%-11.1pp | 180.65%-160.9pp | 41.64%-21.9pp |
| Employer contribution / active EE | $1,378 | $3,048-54.8% | $3,689-62.7% | $2,551-46.0% |
| Participant deferral / active EE | $2,740 | $4,036-32.1% | $5,072-46.0% | $4,139-33.8% |
| Admin fee / account holder | $10,442 | $7,146+46.1% | $8,859+17.9% | $7,234+44.3% |