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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 | $44,742 | $71,215-37.2% | $93,696-52.2% | $80,935-44.7% |
| Participation rate | 56.0% | 60.4%-4.4pp | 68.7%-12.7pp | 67.7%-11.7pp |
| Annual return | 20.79% | 11.27%+9.5pp | 133.74%-113.0pp | 35.66%-14.9pp |
| Employer contribution / active EE | $866 | $1,565-44.7% | $2,422-64.2% | $2,757-68.6% |
| Participant deferral / active EE | $3,246 | $4,037-19.6% | $4,417-26.5% | $4,299-24.5% |
| Admin fee / account holder | $4,773 | $6,958-31.4% | $8,287-42.4% | $6,924-31.1% |