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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 | $58,651 | $81,276-27.8% | $155,574-62.3% | $80,925-27.5% |
| Participation rate | 46.2% | 66.2%-20.1pp | 78.2%-32.1pp | 67.7%-21.5pp |
| Annual return | 12.21% | 33.36%-21.2pp | 64.87%-52.7pp | 35.65%-23.4pp |
| Employer contribution / active EE | $729 | $3,103-76.5% | $4,676-84.4% | $2,756-73.6% |
| Participant deferral / active EE | $2,946 | $3,453-14.7% | $5,629-47.7% | $4,299-31.5% |
| Admin fee / account holder | $8,547 | $7,993+6.9% | $15,914-46.3% | $6,940+23.2% |