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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 | $108,825-56.4% | $156,181-69.6% | $82,448-42.5% |
| Participation rate | 46.8% | 72.4%-25.6pp | 78.8%-32.0pp | 68.1%-21.3pp |
| Annual return | 29.56% | 20.59%+9.0pp | 64.87%-35.3pp | 41.64%-12.1pp |
| Employer contribution / active EE | $985 | $2,870-65.7% | $4,294-77.1% | $2,551-61.4% |
| Participant deferral / active EE | $2,608 | $4,577-43.0% | $6,132-57.5% | $4,139-37.0% |
| Admin fee / account holder | $3,624 | $9,341-61.2% | $14,586-75.2% | $7,234-49.9% |