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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 | $44,958 | $87,132-48.4% | $105,624-57.4% | $80,959-44.5% |
| Participation rate | 45.3% | 70.4%-25.1pp | 75.3%-30.0pp | 67.7%-22.4pp |
| Annual return | 10.25% | 17.03%-6.8pp | 116.20%-106.0pp | 35.67%-25.4pp |
| Employer contribution / active EE | $1,022 | $2,397-57.4% | $3,168-67.7% | $2,757-62.9% |
| Participant deferral / active EE | $2,512 | $3,985-37.0% | $5,013-49.9% | $4,300-41.6% |
| Admin fee / account holder | $14,648 | $8,449+73.4% | $10,961+33.6% | $6,925+111.5% |