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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 | $42,551 | $55,902-23.9% | $76,030-44.0% | $80,959-47.4% |
| Participation rate | 26.3% | 62.1%-35.7pp | 69.1%-42.7pp | 67.7%-41.4pp |
| Annual return | 31.80% | 20.59%+11.2pp | 361.54%-329.7pp | 35.67%-3.9pp |
| Employer contribution / active EE | $1,025 | $1,867-45.1% | $2,688-61.9% | $2,757-62.8% |
| Participant deferral / active EE | $2,634 | $3,051-13.7% | $4,257-38.1% | $4,300-38.8% |
| Admin fee / account holder | $5,188 | $5,239-1.0% | $6,421-19.2% | $6,925-25.1% |