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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 | $42,846 | $55,902-23.4% | $76,030-43.6% | $80,959-47.1% |
| Participation rate | 53.3% | 62.1%-8.7pp | 69.1%-15.7pp | 67.7%-14.3pp |
| Annual return | 22.81% | 20.59%+2.2pp | 361.54%-338.7pp | 35.67%-12.9pp |
| Employer contribution / active EE | $1,715 | $1,867-8.2% | $2,688-36.2% | $2,757-37.8% |
| Participant deferral / active EE | $3,576 | $3,051+17.2% | $4,257-16.0% | $4,300-16.8% |
| Admin fee / account holder | $7,462 | $5,239+42.4% | $6,421+16.2% | $6,925+7.7% |