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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 | $43,099 | $88,672-51.4% | $105,223-59.0% | $82,448-47.7% |
| Participation rate | 38.9% | 67.9%-29.0pp | 75.0%-36.2pp | 68.1%-29.2pp |
| Annual return | 20.40% | 30.86%-10.5pp | 180.65%-160.2pp | 41.64%-21.2pp |
| Employer contribution / active EE | $2,045 | $3,048-32.9% | $3,689-44.6% | $2,551-19.8% |
| Participant deferral / active EE | $3,893 | $4,036-3.5% | $5,072-23.2% | $4,139-5.9% |
| Admin fee / account holder | $3,159 | $7,146-55.8% | $8,859-64.3% | $7,234-56.3% |