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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 | $43,152 | $44,746-3.6% | $88,179-51.1% | $64,097-32.7% |
| Participation rate | 28.3% | 39.8%-11.5pp | 69.1%-40.8pp | 55.2%-26.9pp |
| Annual return | 30.48% | 24.70%+5.8pp | 64.97%-34.5pp | 34.64%-4.2pp |
| Employer contribution / active EE | $793 | $1,078-26.4% | $2,549-68.9% | $1,891-58.1% |
| Participant deferral / active EE | $1,149 | $2,072-44.5% | $4,614-75.1% | $3,080-62.7% |
| Admin fee / account holder | $3,011 | $3,437-12.4% | $7,673-60.8% | $3,454-12.8% |