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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 | $45,295 | $94,436-52.0% | $115,599-60.8% | $82,637-45.2% |
| Participation rate | 52.8% | 70.4%-17.7pp | 74.3%-21.5pp | 68.1%-15.3pp |
| Annual return | 15.46% | 18.37%-2.9pp | 111.10%-95.6pp | 53.51%-38.0pp |
| Employer contribution / active EE | $780 | $2,324-66.4% | $2,955-73.6% | $2,552-69.4% |
| Participant deferral / active EE | $1,720 | $3,955-56.5% | $4,889-64.8% | $4,126-58.3% |
| Admin fee / account holder | $4,816 | $10,328-53.4% | $12,841-62.5% | $7,339-34.4% |