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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 | $47,786 | $47,944-0.3% | $67,834-29.6% | $62,881-24.0% |
| Participation rate | 29.8% | 61.1%-31.3pp | 68.8%-39.0pp | 69.3%-39.5pp |
| Annual return | 7.10% | 11.77%-4.7pp | 138.47%-131.4pp | 20.14%-13.0pp |
| Employer contribution / active EE | $257 | $1,562-83.6% | $2,403-89.3% | $2,281-88.8% |
| Participant deferral / active EE | $1,091 | $2,247-51.4% | $3,160-65.5% | $3,203-65.9% |
| Admin fee / account holder | $2,422 | $3,712-34.7% | $4,622-47.6% | $4,296-43.6% |