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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 | $47,911 | $98,547-51.4% | $216,567-77.9% | $69,733-31.3% |
| Participation rate | 32.0% | 68.4%-36.4pp | 81.6%-49.6pp | 62.5%-30.5pp |
| Annual return | 12.06% | 14.25%-2.2pp | 12.94%-0.9pp | 15.22%-3.2pp |
| Employer contribution / active EE | $922 | $2,660-65.3% | $5,216-82.3% | $2,250-59.0% |
| Participant deferral / active EE | $2,482 | $3,496-29.0% | $6,191-59.9% | $3,054-18.7% |
| Admin fee / account holder | $24,810 | $4,094+506.0% | $21,981+12.9% | $3,102+699.8% |