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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 | $46,278 | $73,787-37.3% | $98,716-53.1% | $82,448-43.9% |
| Participation rate | 53.1% | 61.4%-8.3pp | 69.3%-16.2pp | 68.1%-14.9pp |
| Annual return | 19.43% | 18.57%+0.9pp | 31.81%-12.4pp | 41.64%-22.2pp |
| Employer contribution / active EE | $736 | $1,511-51.3% | $2,279-67.7% | $2,551-71.1% |
| Participant deferral / active EE | $2,156 | $3,081-30.0% | $4,048-46.7% | $4,139-47.9% |
| Admin fee / account holder | $10,856 | $6,500+67.0% | $8,703+24.7% | $7,234+50.1% |