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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 | $44,972 | $91,559-50.9% | $133,978-66.4% | $79,856-43.7% |
| Participation rate | 58.9% | 73.3%-14.4pp | 79.8%-20.9pp | 69.6%-10.7pp |
| Annual return | 17.87% | 61.85%-44.0pp | 45.10%-27.2pp | 31.71%-13.8pp |
| Employer contribution / active EE | $1,733 | $2,384-27.3% | $3,919-55.8% | $2,471-29.9% |
| Participant deferral / active EE | $3,123 | $3,734-16.3% | $5,047-38.1% | $3,741-16.5% |
| Admin fee / account holder | $859 | $6,321-86.4% | $8,930-90.4% | $5,306-83.8% |