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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 | $29,083 | $90,486-67.9% | $78,676-63.0% | $273,972-89.4% |
| Participation rate | 45.8% | 76.5%-30.7pp | 73.6%-27.7pp | 83.0%-37.2pp |
| Annual return | 5.44% | 75.62%-70.2pp | 62.19%-56.8pp | 41.46%-36.0pp |
| Employer contribution / active EE | $2,939 | $3,175-7.4% | $2,850+3.1% | $4,869-39.6% |
| Participant deferral / active EE | $2,171 | $3,901-44.4% | $3,517-38.3% | $5,287-58.9% |
| Admin fee / account holder | $1,509 | $5,263-71.3% | $4,510-66.5% | $10,133-85.1% |