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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 | $43,116 | $56,047-23.1% | $98,716-56.3% | $79,634-45.9% |
| Participation rate | 38.6% | 54.6%-16.0pp | 69.3%-30.7pp | 62.5%-23.9pp |
| Annual return | 45.31% | 17.58%+27.7pp | 31.81%+13.5pp | 36.46%+8.8pp |
| Employer contribution / active EE | $982 | $1,237-20.6% | $2,279-56.9% | $2,529-61.2% |
| Participant deferral / active EE | $1,653 | $2,469-33.1% | $4,048-59.2% | $3,835-56.9% |
| Admin fee / account holder | $1,347 | $1,512-10.9% | $8,703-84.5% | $1,002+34.5% |