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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 | $45,713 | $78,670-41.9% | $109,173-58.1% | $85,847-46.8% |
| Participation rate | 28.2% | 68.3%-40.1pp | 75.9%-47.7pp | 69.3%-41.1pp |
| Annual return | 14.35% | 25.09%-10.7pp | 25.75%-11.4pp | 318.61%-304.3pp |
| Employer contribution / active EE | $777 | $2,734-71.6% | $3,723-79.1% | $2,565-69.7% |
| Participant deferral / active EE | $2,472 | $3,467-28.7% | $4,654-46.9% | $3,952-37.4% |
| Admin fee / account holder | $2,175 | $5,469-60.2% | $6,755-67.8% | $6,261-65.3% |