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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 | $45,890 | $63,703-28.0% | $93,063-50.7% | $82,448-44.3% |
| Participation rate | 41.4% | 63.8%-22.5pp | 72.1%-30.7pp | 68.1%-26.7pp |
| Annual return | 15.92% | -775.43%+791.4pp | 34.15%-18.2pp | 41.64%-25.7pp |
| Employer contribution / active EE | $1,400 | $1,729-19.0% | $2,476-43.5% | $2,551-45.1% |
| Participant deferral / active EE | $3,461 | $2,919+18.6% | $3,958-12.6% | $4,139-16.4% |
| Admin fee / account holder | $678 | $5,982-88.7% | $6,033-88.8% | $7,234-90.6% |