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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 | $47,801 | $93,617-48.9% | $135,982-64.8% | $75,177-36.4% |
| Participation rate | 55.0% | 75.2%-20.2pp | 81.9%-26.9pp | 67.2%-12.2pp |
| Annual return | 18.02% | 30.89%-12.9pp | 68.32%-50.3pp | 160.75%-142.7pp |
| Employer contribution / active EE | $921 | $3,538-74.0% | $4,859-81.1% | $2,671-65.5% |
| Participant deferral / active EE | $3,710 | $6,406-42.1% | $7,760-52.2% | $4,126-10.1% |
| Admin fee / account holder | $1,872 | $6,980-73.2% | $10,767-82.6% | $5,651-66.9% |