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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 | $45,504 | $106,524-57.3% | $152,301-70.1% | $87,485-48.0% |
| Participation rate | 45.8% | 75.8%-29.9pp | 82.4%-36.6pp | 68.9%-23.1pp |
| Annual return | 15.51% | 26.89%-11.4pp | 80.50%-65.0pp | 26.06%-10.5pp |
| Employer contribution / active EE | $1,109 | $3,371-67.1% | $4,624-76.0% | $2,596-57.3% |
| Participant deferral / active EE | $3,185 | $6,525-51.2% | $8,004-60.2% | $4,274-25.5% |
| Admin fee / account holder | $3,003 | $8,287-63.8% | $14,398-79.1% | $7,775-61.4% |