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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 | $53,392 | $112,729-52.6% | $98,716-45.9% | $137,256-61.1% |
| Participation rate | 46.2% | 74.2%-28.1pp | 69.3%-23.1pp | 80.0%-33.8pp |
| Annual return | 14.37% | 38.48%-24.1pp | 31.81%-17.4pp | 220.34%-206.0pp |
| Employer contribution / active EE | $1,153 | $2,725-57.7% | $2,279-49.4% | $4,156-72.2% |
| Participant deferral / active EE | $3,595 | $4,640-22.5% | $4,048-11.2% | $6,407-43.9% |
| Admin fee / account holder | $446 | $10,129-95.6% | $8,703-94.9% | $12,270-96.4% |