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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 | $46,098 | $56,110-17.8% | $94,993-51.5% | $70,126-34.3% |
| Participation rate | 52.2% | 65.0%-12.8pp | 73.9%-21.7pp | 69.5%-17.4pp |
| Annual return | 16.31% | 51.02%-34.7pp | 27.14%-10.8pp | 73.15%-56.8pp |
| Employer contribution / active EE | $500 | $1,442-65.3% | $2,603-80.8% | $2,343-78.6% |
| Participant deferral / active EE | $1,063 | $2,391-55.5% | $3,317-68.0% | $3,332-68.1% |
| Admin fee / account holder | $4,124 | $3,456+19.3% | $4,960-16.9% | $4,645-11.2% |