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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 | $46,786 | $48,364-3.3% | $71,796-34.8% | $62,881-25.6% |
| Participation rate | 48.8% | 60.6%-11.8pp | 69.1%-20.3pp | 69.3%-20.5pp |
| Annual return | 7.35% | 13.16%-5.8pp | 78.04%-70.7pp | 20.14%-12.8pp |
| Employer contribution / active EE | $965 | $1,042-7.4% | $1,924-49.9% | $2,281-57.7% |
| Participant deferral / active EE | $1,607 | $2,091-23.2% | $2,794-42.5% | $3,203-49.8% |
| Admin fee / account holder | $10,630 | $3,771+181.9% | $4,815+120.8% | $4,296+147.5% |