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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 | $55,482-16.0% | $76,051-38.7% | $77,692-40.0% |
| Participation rate | 31.0% | 63.7%-32.6pp | 69.1%-38.0pp | 70.6%-39.5pp |
| Annual return | 14.75% | 17.09%-2.3pp | 360.42%-345.7pp | 31.25%-16.5pp |
| Employer contribution / active EE | $1,157 | $1,792-35.4% | $2,690-57.0% | $2,726-57.6% |
| Participant deferral / active EE | $1,577 | $3,455-54.4% | $4,257-63.0% | $4,648-66.1% |
| Admin fee / account holder | $5,169 | $407+1169.0% | $6,416-19.4% | $431+1100.7% |