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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 | $42,455 | $65,376-35.1% | $87,104-51.3% | $65,185-34.9% |
| Participation rate | 46.6% | 75.3%-28.7pp | 76.9%-30.3pp | 70.2%-23.6pp |
| Annual return | 20.08% | 31.27%-11.2pp | 28.19%-8.1pp | 29.38%-9.3pp |
| Employer contribution / active EE | $1,101 | $1,822-39.6% | $2,521-56.3% | $2,177-49.4% |
| Participant deferral / active EE | $1,898 | $3,388-44.0% | $4,048-53.1% | $3,514-46.0% |
| Admin fee / account holder | $1,195 | $520+129.9% | $7,491-84.0% | $847+41.1% |