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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 | $46,415 | $91,198-49.1% | $178,503-74.0% | $79,856-41.9% |
| Participation rate | 52.6% | 69.2%-16.6pp | 81.9%-29.3pp | 69.6%-17.0pp |
| Annual return | 16.55% | 24.20%-7.6pp | 151.12%-134.6pp | 31.71%-15.2pp |
| Employer contribution / active EE | $1,085 | $3,257-66.7% | $5,011-78.3% | $2,471-56.1% |
| Participant deferral / active EE | $2,171 | $3,237-32.9% | $5,202-58.3% | $3,741-42.0% |
| Admin fee / account holder | $1,586 | $6,748-76.5% | $13,987-88.7% | $5,306-70.1% |