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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 | $43,051 | $56,134-23.3% | $96,171-55.2% | $85,847-49.9% |
| Participation rate | 28.4% | 56.7%-28.4pp | 68.4%-40.1pp | 69.3%-41.0pp |
| Annual return | 13.71% | 42.30%-28.6pp | 192.04%-178.3pp | 318.61%-304.9pp |
| Employer contribution / active EE | $1,366 | $1,620-15.7% | $2,799-51.2% | $2,565-46.7% |
| Participant deferral / active EE | $2,804 | $2,858-1.9% | $4,350-35.5% | $3,952-29.1% |
| Admin fee / account holder | $1,417 | $3,769-62.4% | $5,538-74.4% | $6,261-77.4% |