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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 | $52,336 | $43,075+21.5% | $74,577-29.8% | $62,881-16.8% |
| Participation rate | 29.4% | 58.1%-28.6pp | 68.1%-38.7pp | 69.3%-39.9pp |
| Annual return | 7.53% | 17.50%-10.0pp | 20.47%-12.9pp | 20.14%-12.6pp |
| Employer contribution / active EE | $854 | $1,498-43.0% | $2,525-66.2% | $2,281-62.6% |
| Participant deferral / active EE | $1,625 | $2,389-32.0% | $3,458-53.0% | $3,203-49.3% |
| Admin fee / account holder | $446 | $2,840-84.3% | $4,138-89.2% | $4,296-89.6% |