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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 | $81,276-42.0% | $155,574-69.7% | $80,925-41.7% |
| Participation rate | 48.6% | 66.2%-17.6pp | 78.2%-29.6pp | 67.7%-19.0pp |
| Annual return | 12.01% | 33.36%-21.4pp | 64.87%-52.9pp | 35.65%-23.6pp |
| Employer contribution / active EE | $1,353 | $3,103-56.4% | $4,676-71.1% | $2,756-50.9% |
| Participant deferral / active EE | $2,400 | $3,453-30.5% | $5,629-57.4% | $4,299-44.2% |
| Admin fee / account holder | $6,048 | $7,993-24.3% | $15,914-62.0% | $6,940-12.9% |