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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 | $44,265 | $81,262-45.5% | $155,602-71.6% | $80,911-45.3% |
| Participation rate | 22.2% | 66.2%-44.0pp | 78.2%-56.0pp | 67.6%-45.4pp |
| Annual return | 14.72% | 33.34%-18.6pp | 64.81%-50.1pp | 35.63%-20.9pp |
| Employer contribution / active EE | $529 | $3,102-82.9% | $4,675-88.7% | $2,756-80.8% |
| Participant deferral / active EE | $1,524 | $3,451-55.8% | $5,629-72.9% | $4,297-64.5% |
| Admin fee / account holder | $8,092 | $7,992+1.3% | $15,923-49.2% | $6,935+16.7% |