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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 | $42,579 | $86,050-50.5% | $189,758-77.6% | $94,015-54.7% |
| Participation rate | 46.8% | 68.9%-22.1pp | 79.8%-33.0pp | 70.8%-24.0pp |
| Annual return | 15.69% | 17.77%-2.1pp | 52.62%-36.9pp | 17.84%-2.2pp |
| Employer contribution / active EE | $950 | $2,819-66.3% | $4,767-80.1% | $2,790-66.0% |
| Participant deferral / active EE | $1,451 | $3,349-56.7% | $5,856-75.2% | $4,249-65.8% |
| Admin fee / account holder | $7,051 | $6,627+6.4% | $20,388-65.4% | $8,951-21.2% |