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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 | $93,345-53.8% | $119,126-63.8% | $87,485-50.7% |
| Participation rate | 38.9% | 68.7%-29.8pp | 75.8%-36.9pp | 68.9%-30.0pp |
| Annual return | 20.40% | 19.08%+1.3pp | 282.11%-261.7pp | 26.06%-5.7pp |
| Employer contribution / active EE | $2,045 | $3,172-35.5% | $4,034-49.3% | $2,596-21.2% |
| Participant deferral / active EE | $3,893 | $4,099-5.0% | $5,318-26.8% | $4,274-8.9% |
| Admin fee / account holder | $3,159 | $8,039-60.7% | $10,693-70.5% | $7,775-59.4% |