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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 | $46,938 | $98,652-52.4% | $142,942-67.2% | $82,448-43.1% |
| Participation rate | 43.3% | 72.8%-29.4pp | 76.8%-33.5pp | 68.1%-24.7pp |
| Annual return | 18.25% | 22.65%-4.4pp | 113.70%-95.5pp | 41.64%-23.4pp |
| Employer contribution / active EE | $1,685 | $3,211-47.5% | $4,139-59.3% | $2,551-33.9% |
| Participant deferral / active EE | $3,020 | $5,580-45.9% | $7,128-57.6% | $4,139-27.0% |
| Admin fee / account holder | $3,148 | $8,078-61.0% | $12,475-74.8% | $7,234-56.5% |