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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 | $106,749-57.4% | $145,433-68.7% | $82,448-44.8% |
| Participation rate | 45.8% | 75.6%-29.8pp | 82.1%-36.3pp | 68.1%-22.2pp |
| Annual return | 15.51% | 27.59%-12.1pp | 66.58%-51.1pp | 41.64%-26.1pp |
| Employer contribution / active EE | $1,109 | $3,444-67.8% | $4,554-75.6% | $2,551-56.5% |
| Participant deferral / active EE | $3,185 | $6,519-51.1% | $7,897-59.7% | $4,139-23.1% |
| Admin fee / account holder | $3,003 | $8,390-64.2% | $13,129-77.1% | $7,234-58.5% |