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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 | $44,908 | $48,364-7.1% | $71,796-37.5% | $62,881-28.6% |
| Participation rate | 48.5% | 60.6%-12.1pp | 69.1%-20.6pp | 69.3%-20.8pp |
| Annual return | 6.68% | 13.16%-6.5pp | 78.04%-71.4pp | 20.14%-13.5pp |
| Employer contribution / active EE | $642 | $1,042-38.4% | $1,924-66.6% | $2,281-71.9% |
| Participant deferral / active EE | $2,289 | $2,091+9.5% | $2,794-18.1% | $3,203-28.5% |
| Admin fee / account holder | $592 | $3,771-84.3% | $4,815-87.7% | $4,296-86.2% |