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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 | $47,277 | $81,476-42.0% | $102,383-53.8% | $80,925-41.6% |
| Participation rate | 50.0% | 66.8%-16.8pp | 74.5%-24.5pp | 67.7%-17.7pp |
| Annual return | 13.34% | 25.59%-12.3pp | 24.94%-11.6pp | 35.65%-22.3pp |
| Employer contribution / active EE | $1,845 | $3,105-40.6% | $3,870-52.3% | $2,756-33.0% |
| Participant deferral / active EE | $3,482 | $3,871-10.1% | $5,060-31.2% | $4,299-19.0% |
| Admin fee / account holder | $670 | $6,717-90.0% | $8,391-92.0% | $6,940-90.3% |