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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 | $24,874 | $90,400-72.5% | $186,193-86.6% | $87,485-71.6% |
| Participation rate | 45.7% | 66.2%-20.5pp | 77.1%-31.5pp | 68.9%-23.3pp |
| Annual return | 18.38% | 22.15%-3.8pp | 78.03%-59.6pp | 26.06%-7.7pp |
| Employer contribution / active EE | $1,308 | $2,170-39.7% | $3,918-66.6% | $2,596-49.6% |
| Participant deferral / active EE | $2,096 | $4,330-51.6% | $6,513-67.8% | $4,274-51.0% |
| Admin fee / account holder | $1,881 | $8,673-78.3% | $11,058-83.0% | $7,775-75.8% |