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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 | $81,331-42.0% | $155,534-69.7% | $80,935-41.8% |
| Participation rate | 48.6% | 66.3%-17.6pp | 78.2%-29.6pp | 67.7%-19.0pp |
| Annual return | 12.01% | 33.37%-21.4pp | 64.92%-52.9pp | 35.66%-23.7pp |
| Employer contribution / active EE | $1,353 | $3,105-56.4% | $4,675-71.1% | $2,757-50.9% |
| Participant deferral / active EE | $2,400 | $3,454-30.5% | $5,630-57.4% | $4,299-44.2% |
| Admin fee / account holder | $6,048 | $7,999-24.4% | $15,900-62.0% | $6,924-12.7% |