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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 | $43,268 | $77,920-44.5% | $149,723-71.1% | $75,177-42.4% |
| Participation rate | 58.2% | 65.6%-7.3pp | 78.8%-20.5pp | 67.2%-9.0pp |
| Annual return | 18.09% | 31.72%-13.6pp | 134.50%-116.4pp | 160.75%-142.7pp |
| Employer contribution / active EE | $1,047 | $3,138-66.7% | $4,821-78.3% | $2,671-60.8% |
| Participant deferral / active EE | $4,216 | $3,411+23.6% | $5,682-25.8% | $4,126+2.2% |
| Admin fee / account holder | $2,281 | $5,951-61.7% | $13,215-82.7% | $5,651-59.6% |