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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 | $45,128 | $72,273-37.6% | $101,275-55.4% | $79,856-43.5% |
| Participation rate | 40.3% | 68.5%-28.2pp | 75.8%-35.5pp | 69.6%-29.3pp |
| Annual return | 35.05% | 22.30%+12.8pp | 46.48%-11.4pp | 31.71%+3.3pp |
| Employer contribution / active EE | $1,119 | $2,691-58.4% | $3,660-69.4% | $2,471-54.7% |
| Participant deferral / active EE | $2,007 | $3,282-38.8% | $4,371-54.1% | $3,741-46.3% |
| Admin fee / account holder | $406 | $4,401-90.8% | $5,948-93.2% | $5,306-92.3% |