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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 | $43,629 | $77,638-43.8% | $156,551-72.1% | $62,881-30.6% |
| Participation rate | 46.4% | 71.2%-24.8pp | 84.0%-37.6pp | 69.3%-22.9pp |
| Annual return | 8.12% | 50.33%-42.2pp | 32.23%-24.1pp | 20.14%-12.0pp |
| Employer contribution / active EE | $432 | $3,444-87.4% | $5,501-92.1% | $2,281-81.0% |
| Participant deferral / active EE | $1,655 | $3,046-45.7% | $4,871-66.0% | $3,203-48.3% |
| Admin fee / account holder | $2,163 | $5,561-61.1% | $13,028-83.4% | $4,296-49.7% |