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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 | $45,682 | $68,878-33.7% | $120,574-62.1% | $80,935-43.6% |
| Participation rate | 48.8% | 61.7%-12.8pp | 71.9%-23.1pp | 67.7%-18.8pp |
| Annual return | 11.07% | 23.67%-12.6pp | 107.42%-96.4pp | 35.66%-24.6pp |
| Employer contribution / active EE | $894 | $2,065-56.7% | $3,471-74.2% | $2,757-67.6% |
| Participant deferral / active EE | $3,064 | $3,189-3.9% | $4,996-38.7% | $4,299-28.7% |
| Admin fee / account holder | $500 | $5,782-91.4% | $9,445-94.7% | $6,924-92.8% |