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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 | $57,390 | $81,947-30.0% | $105,387-45.5% | $72,975-21.4% |
| Participation rate | 48.4% | 76.5%-28.1pp | 82.6%-34.2pp | 69.5%-21.1pp |
| Annual return | 22.66% | 42.90%-20.2pp | 26.82%-4.2pp | 81.01%-58.4pp |
| Employer contribution / active EE | $883 | $3,468-74.5% | $4,213-79.0% | $2,440-63.8% |
| Participant deferral / active EE | $4,629 | $4,494+3.0% | $5,502-15.9% | $3,608+28.3% |
| Admin fee / account holder | $4,643 | $6,258-25.8% | $6,559-29.2% | $5,124-9.4% |