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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 | $42,626 | $71,215-40.1% | $93,696-54.5% | $80,935-47.3% |
| Participation rate | 58.0% | 60.4%-2.4pp | 68.7%-10.7pp | 67.7%-9.7pp |
| Annual return | 12.28% | 11.27%+1.0pp | 133.74%-121.5pp | 35.66%-23.4pp |
| Employer contribution / active EE | $1,626 | $1,565+3.9% | $2,422-32.9% | $2,757-41.0% |
| Participant deferral / active EE | $2,425 | $4,037-39.9% | $4,417-45.1% | $4,299-43.6% |
| Admin fee / account holder | $13,621 | $6,958+95.8% | $8,287+64.4% | $6,924+96.7% |