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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 | $68,586-33.4% | $120,380-62.1% | $80,911-43.5% |
| Participation rate | 48.8% | 61.6%-12.7pp | 71.9%-23.1pp | 67.6%-18.8pp |
| Annual return | 11.07% | 23.62%-12.5pp | 107.28%-96.2pp | 35.63%-24.6pp |
| Employer contribution / active EE | $894 | $2,053-56.5% | $3,465-74.2% | $2,756-67.6% |
| Participant deferral / active EE | $3,064 | $3,174-3.5% | $4,992-38.6% | $4,297-28.7% |
| Admin fee / account holder | $500 | $5,733-91.3% | $9,421-94.7% | $6,935-92.8% |