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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 | $45,600 | $105,623-56.8% | $87,502-47.9% | $273,972-83.4% |
| Participation rate | 50.0% | 78.2%-28.2pp | 73.8%-23.8pp | 83.0%-33.0pp |
| Annual return | 2.98% | 12.26%-9.3pp | 12.21%-9.2pp | 41.46%-38.5pp |
| Employer contribution / active EE | $1,260 | $3,141-59.9% | $2,550-50.6% | $4,869-74.1% |
| Participant deferral / active EE | $2,979 | $3,601-17.3% | $3,149-5.4% | $5,287-43.7% |
| Admin fee / account holder | $449 | $4,781-90.6% | $4,221-89.4% | $10,133-95.6% |