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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 | $45,943 | $32,037+43.4% | $69,182-33.6% | $62,881-26.9% |
| Participation rate | 26.9% | 43.4%-16.6pp | 55.1%-28.2pp | 69.3%-42.4pp |
| Annual return | 9.45% | 15.16%-5.7pp | -21.93%+31.4pp | 20.14%-10.7pp |
| Employer contribution / active EE | $460 | $679-32.3% | $1,206-61.9% | $2,281-79.9% |
| Participant deferral / active EE | $916 | $1,185-22.8% | $1,897-51.7% | $3,203-71.4% |
| Admin fee / account holder | $1,565 | $2,608-40.0% | $2,697-42.0% | $4,296-63.6% |