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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 | $52,153 | $65,034-19.8% | $90,970-42.7% | $79,856-34.7% |
| Participation rate | 48.8% | 61.6%-12.8pp | 69.0%-20.2pp | 69.6%-20.9pp |
| Annual return | 14.85% | 30.45%-15.6pp | 134.60%-119.7pp | 31.71%-16.9pp |
| Employer contribution / active EE | $361 | $1,247-71.0% | $2,122-83.0% | $2,471-85.4% |
| Participant deferral / active EE | $1,387 | $2,512-44.8% | $3,373-58.9% | $3,741-62.9% |
| Admin fee / account holder | $2,218 | $4,536-51.1% | $5,961-62.8% | $5,306-58.2% |