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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 | $48,761 | $81,504-40.2% | $102,437-52.4% | $80,959-39.8% |
| Participation rate | 45.2% | 66.9%-21.6pp | 74.5%-29.3pp | 67.7%-22.5pp |
| Annual return | 11.26% | 25.60%-14.3pp | 24.95%-13.7pp | 35.67%-24.4pp |
| Employer contribution / active EE | $1,520 | $3,104-51.0% | $3,871-60.7% | $2,757-44.9% |
| Participant deferral / active EE | $2,726 | $3,871-29.6% | $5,060-46.1% | $4,300-36.6% |
| Admin fee / account holder | $1,558 | $6,719-76.8% | $8,388-81.4% | $6,925-77.5% |