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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 | $48,948 | $118,488-58.7% | $98,462-50.3% | $139,487-64.9% |
| Participation rate | 29.4% | 77.5%-48.1pp | 75.2%-45.8pp | 80.3%-50.9pp |
| Annual return | 10.84% | 18.96%-8.1pp | 21.17%-10.3pp | 373.84%-363.0pp |
| Employer contribution / active EE | $800 | $3,611-77.8% | $3,049-73.8% | $4,755-83.2% |
| Participant deferral / active EE | $2,939 | $5,393-45.5% | $4,738-38.0% | $6,713-56.2% |
| Admin fee / account holder | $1,254 | $13,868-91.0% | $8,875-85.9% | $11,407-89.0% |