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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 | $46,727 | $81,358-42.6% | $155,556-70.0% | $80,959-42.3% |
| Participation rate | 46.7% | 66.3%-19.6pp | 78.2%-31.6pp | 67.7%-21.0pp |
| Annual return | 12.24% | 33.39%-21.2pp | 64.84%-52.6pp | 35.67%-23.4pp |
| Employer contribution / active EE | $1,312 | $3,106-57.8% | $4,675-71.9% | $2,757-52.4% |
| Participant deferral / active EE | $2,446 | $3,455-29.2% | $5,631-56.6% | $4,300-43.1% |
| Admin fee / account holder | $12,514 | $7,994+56.5% | $15,885-21.2% | $6,925+80.7% |