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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 | $39,875 | $90,400-55.9% | $186,193-78.6% | $87,485-54.4% |
| Participation rate | 48.6% | 66.2%-17.6pp | 77.1%-28.5pp | 68.9%-20.3pp |
| Annual return | 16.22% | 22.15%-5.9pp | 78.03%-61.8pp | 26.06%-9.8pp |
| Employer contribution / active EE | $1,094 | $2,170-49.6% | $3,918-72.1% | $2,596-57.8% |
| Participant deferral / active EE | $3,348 | $4,330-22.7% | $6,513-48.6% | $4,274-21.7% |
| Admin fee / account holder | $5,216 | $8,673-39.9% | $11,058-52.8% | $7,775-32.9% |