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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 | $41,470 | $57,541-27.9% | $95,740-56.7% | $75,173-44.8% |
| Participation rate | 40.2% | 62.5%-22.3pp | 72.3%-32.0pp | 67.2%-27.0pp |
| Annual return | 18.26% | 34.93%-16.7pp | 28.41%-10.2pp | 160.72%-142.5pp |
| Employer contribution / active EE | $1,131 | $1,808-37.4% | $2,836-60.1% | $2,671-57.7% |
| Participant deferral / active EE | $1,723 | $3,074-43.9% | $4,244-59.4% | $4,126-58.2% |
| Admin fee / account holder | $5,368 | $4,099+31.0% | $5,676-5.4% | $5,651-5.0% |