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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 | $48,398 | $69,977-30.8% | $108,582-55.4% | $62,881-23.0% |
| Participation rate | 36.7% | 72.9%-36.2pp | 79.6%-42.9pp | 69.3%-32.6pp |
| Annual return | 4.81% | 10.73%-5.9pp | -51.70%+56.5pp | 20.14%-15.3pp |
| Employer contribution / active EE | $906 | $2,135-57.6% | $3,758-75.9% | $2,281-60.3% |
| Participant deferral / active EE | $1,518 | $3,165-52.0% | $4,311-64.8% | $3,203-52.6% |
| Admin fee / account holder | $2,120 | $5,076-58.2% | $7,645-72.3% | $4,296-50.7% |