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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 | $47,530 | $71,197-33.2% | $93,669-49.3% | $80,925-41.3% |
| Participation rate | 47.6% | 60.4%-12.8pp | 68.7%-21.2pp | 67.7%-20.1pp |
| Annual return | 10.81% | 11.27%-0.5pp | 133.59%-122.8pp | 35.65%-24.8pp |
| Employer contribution / active EE | $853 | $1,565-45.5% | $2,424-64.8% | $2,756-69.0% |
| Participant deferral / active EE | $2,838 | $4,036-29.7% | $4,416-35.7% | $4,299-34.0% |
| Admin fee / account holder | $4,572 | $6,959-34.3% | $8,291-44.9% | $6,940-34.1% |