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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 | $30,415 | $49,976-39.1% | $66,674-54.4% | $82,637-63.2% |
| Participation rate | 44.8% | 63.1%-18.3pp | 73.7%-28.8pp | 68.1%-23.2pp |
| Annual return | 21.23% | 39.09%-17.9pp | 321.24%-300.0pp | 53.51%-32.3pp |
| Employer contribution / active EE | $1,854 | $1,988-6.8% | $2,620-29.3% | $2,552-27.4% |
| Participant deferral / active EE | $3,261 | $2,847+14.5% | $4,084-20.2% | $4,126-21.0% |
| Admin fee / account holder | $430 | $4,594-90.6% | $5,098-91.6% | $7,339-94.1% |