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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 | $41,757 | $81,208-48.6% | $98,920-57.8% | $79,856-47.7% |
| Participation rate | 48.5% | 72.5%-24.0pp | 76.0%-27.5pp | 69.6%-21.2pp |
| Annual return | 29.38% | 60.99%-31.6pp | 196.47%-167.1pp | 31.71%-2.3pp |
| Employer contribution / active EE | $833 | $1,960-57.5% | $2,689-69.0% | $2,471-66.3% |
| Participant deferral / active EE | $2,044 | $3,265-37.4% | $4,245-51.9% | $3,741-45.4% |
| Admin fee / account holder | $4,489 | $6,013-25.3% | $6,643-32.4% | $5,306-15.4% |