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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 | $48,489 | $118,496-59.1% | $98,461-50.8% | $139,466-65.2% |
| Participation rate | 55.6% | 77.5%-21.9pp | 75.2%-19.6pp | 80.3%-24.8pp |
| Annual return | 17.20% | 18.96%-1.8pp | 21.17%-4.0pp | 373.66%-356.5pp |
| Employer contribution / active EE | $1,561 | $3,611-56.8% | $3,049-48.8% | $4,754-67.2% |
| Participant deferral / active EE | $3,232 | $5,393-40.1% | $4,738-31.8% | $6,712-51.8% |
| Admin fee / account holder | $860 | $14,056-93.9% | $8,961-90.4% | $11,409-92.5% |