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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 | $76,407-44.3% | $150,298-71.7% | $82,448-48.4% |
| Participation rate | 46.8% | 66.4%-19.6pp | 77.8%-31.0pp | 68.1%-21.3pp |
| Annual return | 15.69% | 39.99%-24.3pp | 62.79%-47.1pp | 41.64%-26.0pp |
| Employer contribution / active EE | $950 | $2,614-63.7% | $4,154-77.1% | $2,551-62.8% |
| Participant deferral / active EE | $1,451 | $3,214-54.8% | $5,453-73.4% | $4,139-64.9% |
| Admin fee / account holder | $7,051 | $6,352+11.0% | $14,116-50.0% | $7,234-2.5% |