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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 | $47,803 | $81,487-41.3% | $102,412-53.3% | $80,935-40.9% |
| Participation rate | 28.6% | 66.8%-38.3pp | 74.5%-45.9pp | 67.7%-39.1pp |
| Annual return | 12.62% | 25.60%-13.0pp | 24.94%-12.3pp | 35.66%-23.0pp |
| Employer contribution / active EE | $943 | $3,103-69.6% | $3,870-75.6% | $2,757-65.8% |
| Participant deferral / active EE | $1,837 | $3,871-52.6% | $5,060-63.7% | $4,299-57.3% |
| Admin fee / account holder | $532 | $6,717-92.1% | $8,388-93.7% | $6,924-92.3% |