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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 | $107,733-58.1% | $92,985-51.5% | $154,746-70.8% |
| Participation rate | 53.3% | 74.6%-21.2pp | 69.5%-16.2pp | 80.7%-27.4pp |
| Annual return | 12.51% | 30.39%-17.9pp | 27.99%-15.5pp | 172.34%-159.8pp |
| Employer contribution / active EE | $1,334 | $3,126-57.3% | $2,662-49.9% | $4,379-69.5% |
| Participant deferral / active EE | $4,504 | $5,053-10.9% | $4,377+2.9% | $6,730-33.1% |
| Admin fee / account holder | $23,278 | $11,369+104.8% | $9,463+146.0% | $14,365+62.0% |