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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 | $48,314 | $58,057-16.8% | $97,032-50.2% | $86,983-44.5% |
| Participation rate | 17.6% | 60.4%-42.8pp | 71.6%-54.0pp | 69.5%-52.0pp |
| Annual return | 18.86% | 22.26%-3.4pp | 35.38%-16.5pp | 25.83%-7.0pp |
| Employer contribution / active EE | $430 | $1,663-74.2% | $2,629-83.6% | $2,584-83.4% |
| Participant deferral / active EE | $814 | $3,244-74.9% | $4,672-82.6% | $4,194-80.6% |
| Admin fee / account holder | $1,906 | $4,839-60.6% | $9,418-79.8% | $7,856-75.7% |