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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 | $40,367 | $77,638-48.0% | $156,551-74.2% | $62,881-35.8% |
| Participation rate | 46.2% | 71.2%-25.0pp | 84.0%-37.9pp | 69.3%-23.2pp |
| Annual return | 7.68% | 50.33%-42.6pp | 32.23%-24.5pp | 20.14%-12.5pp |
| Employer contribution / active EE | $992 | $3,444-71.2% | $5,501-82.0% | $2,281-56.5% |
| Participant deferral / active EE | $2,271 | $3,046-25.4% | $4,871-53.4% | $3,203-29.1% |
| Admin fee / account holder | $3,795 | $5,561-31.8% | $13,028-70.9% | $4,296-11.7% |