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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 | $47,182 | $57,119-17.4% | $85,187-44.6% | $80,935-41.7% |
| Participation rate | 11.1% | 56.4%-45.3pp | 67.5%-56.4pp | 67.7%-56.6pp |
| Annual return | 12.72% | 21.70%-9.0pp | 66.67%-53.9pp | 35.66%-22.9pp |
| Employer contribution / active EE | $537 | $1,802-70.2% | $2,732-80.3% | $2,757-80.5% |
| Participant deferral / active EE | $929 | $3,115-70.2% | $4,525-79.5% | $4,299-78.4% |
| Admin fee / account holder | $2,601 | $4,990-47.9% | $6,162-57.8% | $6,924-62.4% |