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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 | $43,114 | $78,690-45.2% | $161,489-73.3% | $87,485-50.7% |
| Participation rate | 64.5% | 67.5%-2.9pp | 78.7%-14.2pp | 68.9%-4.4pp |
| Annual return | 12.66% | 32.74%-20.1pp | 89.72%-77.1pp | 26.06%-13.4pp |
| Employer contribution / active EE | $1,505 | $2,588-41.9% | $4,268-64.7% | $2,596-42.0% |
| Participant deferral / active EE | $3,023 | $3,311-8.7% | $5,630-46.3% | $4,274-29.3% |
| Admin fee / account holder | $2,802 | $6,724-58.3% | $16,006-82.5% | $7,775-64.0% |