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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 | $47,499 | $43,075+10.3% | $74,577-36.3% | $62,881-24.5% |
| Participation rate | 32.4% | 58.1%-25.6pp | 68.1%-35.7pp | 69.3%-36.9pp |
| Annual return | 7.90% | 17.50%-9.6pp | 20.47%-12.6pp | 20.14%-12.2pp |
| Employer contribution / active EE | $672 | $1,498-55.1% | $2,525-73.4% | $2,281-70.6% |
| Participant deferral / active EE | $1,199 | $2,389-49.8% | $3,458-65.3% | $3,203-62.6% |
| Admin fee / account holder | $897 | $2,840-68.4% | $4,138-78.3% | $4,296-79.1% |