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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 | $43,949 | $87,132-49.6% | $105,624-58.4% | $80,959-45.7% |
| Participation rate | 47.4% | 70.4%-23.1pp | 75.3%-27.9pp | 67.7%-20.3pp |
| Annual return | 12.75% | 17.03%-4.3pp | 116.20%-103.5pp | 35.67%-22.9pp |
| Employer contribution / active EE | $1,275 | $2,397-46.8% | $3,168-59.8% | $2,757-53.8% |
| Participant deferral / active EE | $2,285 | $3,985-42.7% | $5,013-54.4% | $4,300-46.9% |
| Admin fee / account holder | $8,694 | $8,449+2.9% | $10,961-20.7% | $6,925+25.5% |