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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 | $45,873 | $95,383-51.9% | $185,837-75.3% | $85,856-46.6% |
| Participation rate | 36.5% | 68.8%-32.3pp | 81.7%-45.2pp | 69.3%-32.8pp |
| Annual return | 17.22% | 23.59%-6.4pp | 122.08%-104.9pp | 318.58%-301.4pp |
| Employer contribution / active EE | $1,252 | $3,313-62.2% | $5,168-75.8% | $2,565-51.2% |
| Participant deferral / active EE | $1,786 | $3,423-47.8% | $5,568-67.9% | $3,952-54.8% |
| Admin fee / account holder | $1,774 | $7,213-75.4% | $16,241-89.1% | $6,261-71.7% |