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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 | $44,430 | $91,179-51.3% | $178,499-75.1% | $79,852-44.4% |
| Participation rate | 60.0% | 69.2%-9.2pp | 81.9%-21.9pp | 69.6%-9.6pp |
| Annual return | 12.54% | 24.19%-11.7pp | 151.10%-138.6pp | 31.72%-19.2pp |
| Employer contribution / active EE | $1,117 | $3,256-65.7% | $5,011-77.7% | $2,471-54.8% |
| Participant deferral / active EE | $2,411 | $3,236-25.5% | $5,202-53.7% | $3,740-35.6% |
| Admin fee / account holder | $3,327 | $6,749-50.7% | $13,986-76.2% | $5,306-37.3% |