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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 | $45,507 | $101,798-55.3% | $165,071-72.4% | $80,935-43.8% |
| Participation rate | 55.1% | 71.8%-16.8pp | 78.6%-23.6pp | 67.7%-12.6pp |
| Annual return | 16.92% | 16.73%+0.2pp | 70.17%-53.2pp | 35.66%-18.7pp |
| Employer contribution / active EE | $895 | $2,954-69.7% | $4,347-79.4% | $2,757-67.5% |
| Participant deferral / active EE | $2,338 | $4,476-47.8% | $6,035-61.3% | $4,299-45.6% |
| Admin fee / account holder | $6,516 | $8,221-20.7% | $12,695-48.7% | $6,924-5.9% |