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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 | $44,526 | $78,690-43.4% | $161,489-72.4% | $87,485-49.1% |
| Participation rate | 48.0% | 67.5%-19.5pp | 78.7%-30.7pp | 68.9%-20.9pp |
| Annual return | 13.49% | 32.74%-19.3pp | 89.72%-76.2pp | 26.06%-12.6pp |
| Employer contribution / active EE | $2,027 | $2,588-21.7% | $4,268-52.5% | $2,596-21.9% |
| Participant deferral / active EE | $4,889 | $3,311+47.7% | $5,630-13.2% | $4,274+14.4% |
| Admin fee / account holder | $15,895 | $6,724+136.4% | $16,006-0.7% | $7,775+104.4% |