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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 | $49,073 | $57,140-14.1% | $85,240-42.4% | $80,959-39.4% |
| Participation rate | 24.1% | 56.4%-32.3pp | 67.5%-43.4pp | 67.7%-43.6pp |
| Annual return | 10.84% | 21.71%-10.9pp | 66.75%-55.9pp | 35.67%-24.8pp |
| Employer contribution / active EE | $734 | $1,802-59.3% | $2,735-73.2% | $2,757-73.4% |
| Participant deferral / active EE | $1,302 | $3,115-58.2% | $4,527-71.2% | $4,300-69.7% |
| Admin fee / account holder | $469 | $4,992-90.6% | $6,165-92.4% | $6,925-93.2% |