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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 | $47,216 | $65,027-27.4% | $90,970-48.1% | $79,852-40.9% |
| Participation rate | 41.8% | 61.6%-19.8pp | 69.0%-27.2pp | 69.6%-27.8pp |
| Annual return | 14.34% | 30.45%-16.1pp | 134.58%-120.2pp | 31.72%-17.4pp |
| Employer contribution / active EE | $365 | $1,247-70.7% | $2,122-82.8% | $2,471-85.2% |
| Participant deferral / active EE | $1,989 | $2,512-20.8% | $3,373-41.0% | $3,740-46.8% |
| Admin fee / account holder | $6,071 | $4,535+33.9% | $5,960+1.9% | $5,306+14.4% |