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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 | $37,499 | $78,672-52.3% | $109,163-65.6% | $85,856-56.3% |
| Participation rate | 46.7% | 68.3%-21.6pp | 75.9%-29.2pp | 69.3%-22.7pp |
| Annual return | 13.92% | 25.09%-11.2pp | 25.75%-11.8pp | 318.58%-304.7pp |
| Employer contribution / active EE | $1,179 | $2,734-56.9% | $3,723-68.3% | $2,565-54.0% |
| Participant deferral / active EE | $2,549 | $3,467-26.5% | $4,654-45.2% | $3,952-35.5% |
| Admin fee / account holder | $4,461 | $5,470-18.4% | $6,754-34.0% | $6,261-28.7% |