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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 | $45,130 | $87,166-48.2% | $76,735-41.2% | $137,256-67.1% |
| Participation rate | 53.3% | 74.4%-21.0pp | 69.5%-16.2pp | 80.0%-26.6pp |
| Annual return | 12.51% | 26.50%-14.0pp | 29.77%-17.3pp | 220.34%-207.8pp |
| Employer contribution / active EE | $1,334 | $2,904-54.1% | $2,454-45.6% | $4,156-67.9% |
| Participant deferral / active EE | $4,504 | $4,726-4.7% | $4,088+10.2% | $6,407-29.7% |
| Admin fee / account holder | $23,278 | $8,403+177.0% | $7,189+223.8% | $12,270+89.7% |