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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 | $39,847 | $50,898-21.7% | $171,082-76.7% | $55,167-27.8% |
| Participation rate | 46.0% | 63.3%-17.2pp | 76.7%-30.7pp | 69.0%-23.0pp |
| Annual return | 8.53% | 15.34%-6.8pp | 32.56%-24.0pp | 169.23%-160.7pp |
| Employer contribution / active EE | $383 | $1,433-73.3% | $4,002-90.4% | $1,963-80.5% |
| Participant deferral / active EE | $3,195 | $2,994+6.7% | $4,797-33.4% | $3,054+4.6% |
| Admin fee / account holder | $856 | $500+71.4% | $8,520-89.9% | $504+69.9% |