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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 | $43,023 | $37,446+14.9% | $77,513-44.5% | $79,852-46.1% |
| Participation rate | 40.4% | 41.5%-1.2pp | 54.2%-13.8pp | 69.6%-29.3pp |
| Annual return | 16.31% | 39.76%-23.4pp | 54.81%-38.5pp | 31.72%-15.4pp |
| Employer contribution / active EE | $624 | $637-2.1% | $987-36.8% | $2,471-74.8% |
| Participant deferral / active EE | $1,200 | $1,261-4.8% | $1,861-35.5% | $3,740-67.9% |
| Admin fee / account holder | $1,118 | $2,506-55.4% | $2,859-60.9% | $5,306-78.9% |