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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 | $42,368 | $93,345-54.6% | $119,126-64.4% | $87,485-51.6% |
| Participation rate | 39.4% | 68.7%-29.3pp | 75.8%-36.4pp | 68.9%-29.5pp |
| Annual return | 12.33% | 19.08%-6.8pp | 282.11%-269.8pp | 26.06%-13.7pp |
| Employer contribution / active EE | $1,479 | $3,172-53.4% | $4,034-63.3% | $2,596-43.0% |
| Participant deferral / active EE | $3,950 | $4,099-3.6% | $5,318-25.7% | $4,274-7.6% |
| Admin fee / account holder | $7,069 | $8,039-12.1% | $10,693-33.9% | $7,775-9.1% |