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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 | $110,137-56.9% | $161,149-70.6% | $82,637-42.6% |
| Participation rate | 46.8% | 72.4%-25.5pp | 78.8%-32.0pp | 68.1%-21.2pp |
| Annual return | 29.56% | 20.69%+8.9pp | 21.16%+8.4pp | 53.51%-23.9pp |
| Employer contribution / active EE | $985 | $2,856-65.5% | $4,360-77.4% | $2,552-61.4% |
| Participant deferral / active EE | $2,608 | $4,575-43.0% | $6,153-57.6% | $4,126-36.8% |
| Admin fee / account holder | $3,624 | $9,467-61.7% | $15,194-76.1% | $7,339-50.6% |