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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 | $51,201 | $81,476-37.2% | $102,383-50.0% | $80,925-36.7% |
| Participation rate | 43.7% | 66.8%-23.2pp | 74.5%-30.8pp | 67.7%-24.0pp |
| Annual return | 14.47% | 25.59%-11.1pp | 24.94%-10.5pp | 35.65%-21.2pp |
| Employer contribution / active EE | $813 | $3,105-73.8% | $3,870-79.0% | $2,756-70.5% |
| Participant deferral / active EE | $2,313 | $3,871-40.3% | $5,060-54.3% | $4,299-46.2% |
| Admin fee / account holder | $3,384 | $6,717-49.6% | $8,391-59.7% | $6,940-51.2% |