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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 | $47,180 | $87,132-45.9% | $105,624-55.3% | $80,959-41.7% |
| Participation rate | 36.5% | 70.4%-33.9pp | 75.3%-38.7pp | 67.7%-31.1pp |
| Annual return | 14.40% | 17.03%-2.6pp | 116.20%-101.8pp | 35.67%-21.3pp |
| Employer contribution / active EE | $771 | $2,397-67.8% | $3,168-75.7% | $2,757-72.0% |
| Participant deferral / active EE | $2,139 | $3,985-46.3% | $5,013-57.3% | $4,300-50.3% |
| Admin fee / account holder | $2,078 | $8,449-75.4% | $10,961-81.0% | $6,925-70.0% |