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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 | $46,135 | $71,230-35.2% | $93,727-50.8% | $80,959-43.0% |
| Participation rate | 42.5% | 60.4%-17.9pp | 68.7%-26.2pp | 67.7%-25.2pp |
| Annual return | 24.45% | 11.26%+13.2pp | 133.83%-109.4pp | 35.67%-11.2pp |
| Employer contribution / active EE | $1,108 | $1,565-29.2% | $2,421-54.3% | $2,757-59.8% |
| Participant deferral / active EE | $2,119 | $4,037-47.5% | $4,417-52.0% | $4,300-50.7% |
| Admin fee / account holder | $553 | $6,961-92.1% | $8,292-93.3% | $6,925-92.0% |