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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 | $51,966 | $37,156+39.9% | $83,854-38.0% | $86,983-40.3% |
| Participation rate | 48.5% | 49.1%-0.5pp | 59.1%-10.6pp | 69.5%-21.0pp |
| Annual return | 19.54% | 29.88%-10.3pp | 31.39%-11.9pp | 25.83%-6.3pp |
| Employer contribution / active EE | $478 | $661-27.6% | $1,017-53.0% | $2,584-81.5% |
| Participant deferral / active EE | $1,442 | $1,418+1.7% | $2,035-29.2% | $4,194-65.6% |
| Admin fee / account holder | $1,416 | $2,510-43.6% | $3,197-55.7% | $7,856-82.0% |