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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 | $48,225 | $54,541-11.6% | $78,778-38.8% | $70,126-31.2% |
| Participation rate | 34.6% | 60.8%-26.2pp | 69.2%-34.6pp | 69.5%-34.9pp |
| Annual return | 14.90% | 21.07%-6.2pp | 35.62%-20.7pp | 73.15%-58.2pp |
| Employer contribution / active EE | $557 | $1,089-48.8% | $1,986-71.9% | $2,343-76.2% |
| Participant deferral / active EE | $1,451 | $2,210-34.4% | $2,958-51.0% | $3,332-56.5% |
| Admin fee / account holder | $1,193 | $3,709-67.8% | $5,134-76.8% | $4,645-74.3% |