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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 | $51,024 | $81,487-37.4% | $102,412-50.2% | $80,935-37.0% |
| Participation rate | 40.3% | 66.8%-26.6pp | 74.5%-34.2pp | 67.7%-27.4pp |
| Annual return | 16.19% | 25.60%-9.4pp | 24.94%-8.7pp | 35.66%-19.5pp |
| Employer contribution / active EE | $1,267 | $3,103-59.2% | $3,870-67.3% | $2,757-54.0% |
| Participant deferral / active EE | $2,796 | $3,871-27.8% | $5,060-44.7% | $4,299-35.0% |
| Admin fee / account holder | $1,579 | $6,717-76.5% | $8,388-81.2% | $6,924-77.2% |