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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 | $45,880 | $42,546+7.8% | $71,796-36.1% | $55,167-16.8% |
| Participation rate | 49.6% | 59.1%-9.5pp | 69.1%-19.5pp | 69.0%-19.4pp |
| Annual return | 7.02% | 12.36%-5.3pp | 78.04%-71.0pp | 169.23%-162.2pp |
| Employer contribution / active EE | $391 | $803-51.3% | $1,924-79.7% | $1,963-80.1% |
| Participant deferral / active EE | $3,310 | $2,064+60.4% | $2,794+18.5% | $3,054+8.4% |
| Admin fee / account holder | $1,269 | $650+95.4% | $4,815-73.6% | $504+151.9% |