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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 | $41,820 | $81,334-48.6% | $113,397-63.1% | $64,097-34.8% |
| Participation rate | 46.1% | 65.6%-19.6pp | 76.5%-30.4pp | 55.2%-9.1pp |
| Annual return | 14.52% | 32.50%-18.0pp | 23.20%-8.7pp | 34.64%-20.1pp |
| Employer contribution / active EE | $965 | $2,077-53.5% | $2,977-67.6% | $1,891-49.0% |
| Participant deferral / active EE | $2,329 | $3,795-38.6% | $5,076-54.1% | $3,080-24.4% |
| Admin fee / account holder | $7,558 | $4,208+79.6% | $11,957-36.8% | $3,454+118.8% |