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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 | $46,195 | $71,197-35.1% | $93,669-50.7% | $80,925-42.9% |
| Participation rate | 52.2% | 60.4%-8.2pp | 68.7%-16.6pp | 67.7%-15.5pp |
| Annual return | 12.86% | 11.27%+1.6pp | 133.59%-120.7pp | 35.65%-22.8pp |
| Employer contribution / active EE | $702 | $1,565-55.1% | $2,424-71.0% | $2,756-74.5% |
| Participant deferral / active EE | $3,148 | $4,036-22.0% | $4,416-28.7% | $4,299-26.8% |
| Admin fee / account holder | $5,109 | $6,959-26.6% | $8,291-38.4% | $6,940-26.4% |