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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 | $47,419 | $115,931-59.1% | $185,441-74.4% | $86,983-45.5% |
| Participation rate | 46.8% | 73.6%-26.8pp | 80.3%-33.5pp | 69.5%-22.7pp |
| Annual return | 29.56% | 21.47%+8.1pp | 20.16%+9.4pp | 25.83%+3.7pp |
| Employer contribution / active EE | $985 | $2,937-66.5% | $4,672-78.9% | $2,584-61.9% |
| Participant deferral / active EE | $2,608 | $4,551-42.7% | $6,152-57.6% | $4,194-37.8% |
| Admin fee / account holder | $3,624 | $10,687-66.1% | $17,890-79.7% | $7,856-53.9% |