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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 | $29,149 | $52,279-44.2% | $89,435-67.4% | $79,856-63.5% |
| Participation rate | 44.9% | 57.5%-12.6pp | 68.0%-23.1pp | 69.6%-24.7pp |
| Annual return | 18.86% | 22.16%-3.3pp | 245.55%-226.7pp | 31.71%-12.8pp |
| Employer contribution / active EE | $1,443 | $1,572-8.2% | $2,587-44.2% | $2,471-41.6% |
| Participant deferral / active EE | $2,332 | $2,740-14.9% | $3,890-40.1% | $3,741-37.7% |
| Admin fee / account holder | $984 | $3,356-70.7% | $4,884-79.9% | $5,306-81.5% |