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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 | $51,451 | $60,349-14.7% | $74,184-30.6% | $62,881-18.2% |
| Participation rate | 51.9% | 72.7%-20.9pp | 76.6%-24.8pp | 69.3%-17.5pp |
| Annual return | 4.81% | 21.38%-16.6pp | 17.74%-12.9pp | 20.14%-15.3pp |
| Employer contribution / active EE | $392 | $1,680-76.7% | $2,370-83.5% | $2,281-82.8% |
| Participant deferral / active EE | $2,417 | $2,856-15.4% | $3,550-31.9% | $3,203-24.5% |
| Admin fee / account holder | $1,408 | $4,261-67.0% | $5,586-74.8% | $4,296-67.2% |