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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 | $47,142 | $81,233-42.0% | $155,567-69.7% | $80,874-41.7% |
| Participation rate | 48.6% | 66.2%-17.6pp | 78.2%-29.5pp | 67.6%-19.0pp |
| Annual return | 12.01% | 33.33%-21.3pp | 64.74%-52.7pp | 35.62%-23.6pp |
| Employer contribution / active EE | $1,353 | $3,101-56.4% | $4,674-71.0% | $2,756-50.9% |
| Participant deferral / active EE | $2,400 | $3,452-30.5% | $5,628-57.4% | $4,297-44.1% |
| Admin fee / account holder | $6,048 | $7,998-24.4% | $15,916-62.0% | $6,935-12.8% |