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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 | $46,620 | $55,458-15.9% | $76,030-38.7% | $77,762-40.0% |
| Participation rate | 31.0% | 63.6%-32.6pp | 69.1%-38.0pp | 70.6%-39.6pp |
| Annual return | 14.75% | 17.10%-2.4pp | 361.54%-346.8pp | 31.27%-16.5pp |
| Employer contribution / active EE | $1,157 | $1,792-35.4% | $2,688-56.9% | $2,728-57.6% |
| Participant deferral / active EE | $1,577 | $3,454-54.4% | $4,257-63.0% | $4,651-66.1% |
| Admin fee / account holder | $5,169 | $411+1158.1% | $6,421-19.5% | $433+1094.1% |