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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 | $23,483 | $61,390-61.7% | $112,228-79.1% | $75,177-68.8% |
| Participation rate | 43.5% | 61.6%-18.1pp | 72.4%-28.9pp | 67.2%-23.7pp |
| Annual return | 18.86% | 28.47%-9.6pp | 30.23%-11.4pp | 160.75%-141.9pp |
| Employer contribution / active EE | $1,038 | $2,015-48.5% | $3,432-69.7% | $2,671-61.1% |
| Participant deferral / active EE | $1,455 | $3,108-53.2% | $4,800-69.7% | $4,126-64.7% |
| Admin fee / account holder | $1,186 | $4,862-75.6% | $7,752-84.7% | $5,651-79.0% |