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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 | $44,407 | $71,230-37.7% | $93,727-52.6% | $80,959-45.1% |
| Participation rate | 54.1% | 60.4%-6.3pp | 68.7%-14.6pp | 67.7%-13.6pp |
| Annual return | 14.49% | 11.26%+3.2pp | 133.83%-119.3pp | 35.67%-21.2pp |
| Employer contribution / active EE | $1,585 | $1,565+1.3% | $2,421-34.5% | $2,757-42.5% |
| Participant deferral / active EE | $3,622 | $4,037-10.3% | $4,417-18.0% | $4,300-15.8% |
| Admin fee / account holder | $3,826 | $6,961-45.0% | $8,292-53.9% | $6,925-44.8% |