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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 | $51,847 | $72,269-28.3% | $101,271-48.8% | $79,852-35.1% |
| Participation rate | 38.7% | 68.5%-29.8pp | 75.8%-37.1pp | 69.6%-30.9pp |
| Annual return | 16.53% | 22.29%-5.8pp | 46.48%-30.0pp | 31.72%-15.2pp |
| Employer contribution / active EE | $1,096 | $2,692-59.3% | $3,660-70.0% | $2,471-55.6% |
| Participant deferral / active EE | $1,858 | $3,282-43.4% | $4,371-57.5% | $3,740-50.3% |
| Admin fee / account holder | $2,717 | $4,401-38.3% | $5,948-54.3% | $5,306-48.8% |