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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 | $47,118 | $45,312+4.0% | $86,233-45.4% | $67,986-30.7% |
| Participation rate | 29.4% | 42.4%-13.1pp | 69.0%-39.7pp | 57.2%-27.8pp |
| Annual return | 16.98% | 24.79%-7.8pp | 61.39%-44.4pp | 31.67%-14.7pp |
| Employer contribution / active EE | $771 | $1,160-33.5% | $2,504-69.2% | $2,019-61.8% |
| Participant deferral / active EE | $1,428 | $2,185-34.6% | $4,559-68.7% | $3,358-57.5% |
| Admin fee / account holder | $1,973 | $3,295-40.1% | $8,342-76.3% | $3,203-38.4% |