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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 | $47,651 | $81,358-41.4% | $155,556-69.4% | $80,959-41.1% |
| Participation rate | 24.5% | 66.3%-41.7pp | 78.2%-53.7pp | 67.7%-43.1pp |
| Annual return | 11.63% | 33.39%-21.8pp | 64.84%-53.2pp | 35.67%-24.0pp |
| Employer contribution / active EE | $1,106 | $3,106-64.4% | $4,675-76.4% | $2,757-59.9% |
| Participant deferral / active EE | $2,821 | $3,455-18.4% | $5,631-49.9% | $4,300-34.4% |
| Admin fee / account holder | $8,964 | $7,994+12.1% | $15,885-43.6% | $6,925+29.4% |