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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 | $46,372 | $59,054-21.5% | $97,260-52.3% | $77,736-40.3% |
| Participation rate | 33.0% | 67.9%-34.9pp | 72.7%-39.7pp | 70.6%-37.6pp |
| Annual return | 12.43% | 16.96%-4.5pp | 75.54%-63.1pp | 31.26%-18.8pp |
| Employer contribution / active EE | $873 | $1,742-49.9% | $2,721-67.9% | $2,728-68.0% |
| Participant deferral / active EE | $1,298 | $3,930-67.0% | $4,262-69.5% | $4,651-72.1% |
| Admin fee / account holder | $3,618 | $346+945.2% | $5,640-35.8% | $433+735.0% |