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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 | $52,383 | $46,877+11.7% | $122,354-57.2% | $70,126-25.3% |
| Participation rate | 30.1% | 58.2%-28.1pp | 71.6%-41.5pp | 69.5%-39.4pp |
| Annual return | 20.75% | 24.22%-3.5pp | 30.28%-9.5pp | 73.15%-52.4pp |
| Employer contribution / active EE | $238 | $1,288-81.5% | $4,051-94.1% | $2,343-89.8% |
| Participant deferral / active EE | $1,540 | $2,167-29.0% | $3,287-53.2% | $3,332-53.8% |
| Admin fee / account holder | $3,799 | $3,324+14.3% | $5,479-30.7% | $4,645-18.2% |