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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 | $46,942 | $81,334-42.3% | $113,397-58.6% | $64,097-26.8% |
| Participation rate | 27.3% | 65.6%-38.4pp | 76.5%-49.2pp | 55.2%-27.9pp |
| Annual return | 30.44% | 32.50%-2.1pp | 23.20%+7.2pp | 34.64%-4.2pp |
| Employer contribution / active EE | $876 | $2,077-57.8% | $2,977-70.6% | $1,891-53.7% |
| Participant deferral / active EE | $2,177 | $3,795-42.6% | $5,076-57.1% | $3,080-29.3% |
| Admin fee / account holder | $2,332 | $4,208-44.6% | $11,957-80.5% | $3,454-32.5% |