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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 | $47,280 | $101,302-53.3% | $149,600-68.4% | $82,637-42.8% |
| Participation rate | 44.4% | 72.5%-28.1pp | 77.2%-32.7pp | 68.1%-23.6pp |
| Annual return | 16.65% | 21.39%-4.7pp | 129.59%-112.9pp | 53.51%-36.9pp |
| Employer contribution / active EE | $1,575 | $3,099-49.2% | $4,193-62.4% | $2,552-38.3% |
| Participant deferral / active EE | $3,123 | $5,589-44.1% | $7,203-56.6% | $4,126-24.3% |
| Admin fee / account holder | $2,438 | $8,449-71.1% | $13,963-82.5% | $7,339-66.8% |