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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 | $48,655 | $50,192-3.1% | $108,359-55.1% | $64,728-24.8% |
| Participation rate | 19.5% | 41.8%-22.3pp | 70.1%-50.6pp | 57.9%-38.4pp |
| Annual return | 10.42% | 14.22%-3.8pp | 36.89%-26.5pp | 49.38%-39.0pp |
| Employer contribution / active EE | $152 | $1,117-86.4% | $2,399-93.7% | $2,243-93.2% |
| Participant deferral / active EE | $1,044 | $1,676-37.7% | $4,137-74.8% | $2,729-61.7% |
| Admin fee / account holder | $1,088 | $2,161-49.6% | $9,741-88.8% | $1,145-5.0% |