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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 | $43,777 | $71,215-38.5% | $93,696-53.3% | $80,935-45.9% |
| Participation rate | 49.3% | 60.4%-11.1pp | 68.7%-19.4pp | 67.7%-18.4pp |
| Annual return | 15.83% | 11.27%+4.6pp | 133.74%-117.9pp | 35.66%-19.8pp |
| Employer contribution / active EE | $1,292 | $1,565-17.4% | $2,422-46.7% | $2,757-53.1% |
| Participant deferral / active EE | $2,231 | $4,037-44.7% | $4,417-49.5% | $4,299-48.1% |
| Admin fee / account holder | $3,264 | $6,958-53.1% | $8,287-60.6% | $6,924-52.9% |