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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 | $47,983 | $48,364-0.8% | $71,796-33.2% | $62,881-23.7% |
| Participation rate | 52.8% | 60.6%-7.8pp | 69.1%-16.3pp | 69.3%-16.5pp |
| Annual return | 6.73% | 13.16%-6.4pp | 78.04%-71.3pp | 20.14%-13.4pp |
| Employer contribution / active EE | $390 | $1,042-62.6% | $1,924-79.7% | $2,281-82.9% |
| Participant deferral / active EE | $1,031 | $2,091-50.7% | $2,794-63.1% | $3,203-67.8% |
| Admin fee / account holder | $549 | $3,771-85.5% | $4,815-88.6% | $4,296-87.2% |