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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 | $44,718 | $67,411-33.7% | $91,004-50.9% | $70,126-36.2% |
| Participation rate | 43.8% | 71.4%-27.5pp | 75.6%-31.8pp | 69.5%-25.7pp |
| Annual return | 18.60% | -40.16%+58.8pp | 4.60%+14.0pp | 73.15%-54.5pp |
| Employer contribution / active EE | $1,937 | $1,786+8.5% | $2,456-21.1% | $2,343-17.3% |
| Participant deferral / active EE | $1,415 | $2,823-49.9% | $3,548-60.1% | $3,332-57.5% |
| Admin fee / account holder | $1,400 | $4,236-67.0% | $5,417-74.2% | $4,645-69.9% |