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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 | $44,524 | $78,690-43.4% | $161,489-72.4% | $87,485-49.1% |
| Participation rate | 37.8% | 67.5%-29.6pp | 78.7%-40.9pp | 68.9%-31.1pp |
| Annual return | 16.12% | 32.74%-16.6pp | 89.72%-73.6pp | 26.06%-9.9pp |
| Employer contribution / active EE | $1,021 | $2,588-60.5% | $4,268-76.1% | $2,596-60.7% |
| Participant deferral / active EE | $1,641 | $3,311-50.4% | $5,630-70.8% | $4,274-61.6% |
| Admin fee / account holder | $1,297 | $6,724-80.7% | $16,006-91.9% | $7,775-83.3% |