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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 | $44,950 | $81,233-44.7% | $155,567-71.1% | $80,874-44.4% |
| Participation rate | 52.4% | 66.2%-13.9pp | 78.2%-25.8pp | 67.6%-15.3pp |
| Annual return | 15.69% | 33.33%-17.6pp | 64.74%-49.0pp | 35.62%-19.9pp |
| Employer contribution / active EE | $2,601 | $3,101-16.1% | $4,674-44.4% | $2,756-5.6% |
| Participant deferral / active EE | $4,656 | $3,452+34.9% | $5,628-17.3% | $4,297+8.4% |
| Admin fee / account holder | $3,984 | $7,998-50.2% | $15,916-75.0% | $6,935-42.6% |