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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 | $44,293 | $52,279-15.3% | $89,400-50.5% | $79,858-44.5% |
| Participation rate | 41.1% | 57.5%-16.4pp | 68.0%-26.9pp | 69.6%-28.5pp |
| Annual return | 13.90% | 22.16%-8.3pp | 245.64%-231.7pp | 31.72%-17.8pp |
| Employer contribution / active EE | $310 | $1,572-80.2% | $2,586-88.0% | $2,471-87.4% |
| Participant deferral / active EE | $1,496 | $2,740-45.4% | $3,890-61.5% | $3,740-60.0% |
| Admin fee / account holder | $1,731 | $3,356-48.4% | $4,882-64.5% | $5,306-67.4% |