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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 | $45,674 | $71,208-35.9% | $93,681-51.2% | $80,911-43.6% |
| Participation rate | 42.9% | 60.4%-17.5pp | 68.7%-25.9pp | 67.6%-24.8pp |
| Annual return | 13.18% | 11.27%+1.9pp | 133.47%-120.3pp | 35.63%-22.5pp |
| Employer contribution / active EE | $943 | $1,564-39.7% | $2,422-61.1% | $2,756-65.8% |
| Participant deferral / active EE | $2,106 | $4,035-47.8% | $4,415-52.3% | $4,297-51.0% |
| Admin fee / account holder | $3,735 | $6,951-46.3% | $8,290-54.9% | $6,935-46.1% |