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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 | $43,415 | $81,331-46.6% | $155,534-72.1% | $80,935-46.4% |
| Participation rate | 42.5% | 66.3%-23.8pp | 78.2%-35.7pp | 67.7%-25.2pp |
| Annual return | 14.14% | 33.37%-19.2pp | 64.92%-50.8pp | 35.66%-21.5pp |
| Employer contribution / active EE | $1,036 | $3,105-66.6% | $4,675-77.8% | $2,757-62.4% |
| Participant deferral / active EE | $2,600 | $3,454-24.7% | $5,630-53.8% | $4,299-39.5% |
| Admin fee / account holder | $991 | $7,999-87.6% | $15,900-93.8% | $6,924-85.7% |