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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 | $88,996-49.3% | $78,004-42.1% | $138,895-67.5% |
| Participation rate | 53.3% | 74.4%-21.0pp | 69.4%-16.1pp | 79.9%-26.6pp |
| Annual return | 12.51% | 28.03%-15.5pp | 31.07%-18.6pp | 145.39%-132.9pp |
| Employer contribution / active EE | $1,334 | $2,917-54.3% | $2,469-46.0% | $4,194-68.2% |
| Participant deferral / active EE | $4,504 | $4,724-4.7% | $4,092+10.1% | $6,396-29.6% |
| Admin fee / account holder | $23,278 | $8,807+164.3% | $7,578+207.2% | $12,562+85.3% |