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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 | $48,785 | $47,479+2.8% | $62,929-22.5% | $82,448-40.8% |
| Participation rate | 38.3% | 66.9%-28.6pp | 73.1%-34.8pp | 68.1%-29.8pp |
| Annual return | 19.19% | 20.34%-1.2pp | 1063.93%-1044.7pp | 41.64%-22.4pp |
| Employer contribution / active EE | $760 | $1,885-59.7% | $2,505-69.7% | $2,551-70.2% |
| Participant deferral / active EE | $1,933 | $2,870-32.7% | $3,888-50.3% | $4,139-53.3% |
| Admin fee / account holder | $1,146 | $3,804-69.9% | $5,065-77.4% | $7,234-84.2% |