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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 | $40,077 | $88,672-54.8% | $105,223-61.9% | $82,448-51.4% |
| Participation rate | 23.0% | 67.9%-45.0pp | 75.0%-52.1pp | 68.1%-45.1pp |
| Annual return | 20.20% | 30.86%-10.7pp | 180.65%-160.5pp | 41.64%-21.4pp |
| Employer contribution / active EE | $1,272 | $3,048-58.3% | $3,689-65.5% | $2,551-50.1% |
| Participant deferral / active EE | $2,708 | $4,036-32.9% | $5,072-46.6% | $4,139-34.6% |
| Admin fee / account holder | $3,665 | $7,146-48.7% | $8,859-58.6% | $7,234-49.3% |