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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 | $48,260 | $65,961-26.8% | $180,320-73.2% | $94,015-48.7% |
| Participation rate | 37.9% | 61.3%-23.3pp | 71.5%-33.6pp | 70.8%-32.9pp |
| Annual return | 13.36% | 14.27%-0.9pp | 778.54%-765.2pp | 17.84%-4.5pp |
| Employer contribution / active EE | $1,235 | $1,737-28.9% | $4,108-69.9% | $2,790-55.7% |
| Participant deferral / active EE | $1,650 | $3,003-45.1% | $4,304-61.7% | $4,249-61.2% |
| Admin fee / account holder | $2,273 | $4,901-53.6% | $10,000-77.3% | $8,951-74.6% |