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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 | $48,946 | $76,407-35.9% | $150,298-67.4% | $82,448-40.6% |
| Participation rate | 32.5% | 66.4%-33.9pp | 77.8%-45.3pp | 68.1%-35.6pp |
| Annual return | 22.87% | 39.99%-17.1pp | 62.79%-39.9pp | 41.64%-18.8pp |
| Employer contribution / active EE | $628 | $2,614-76.0% | $4,154-84.9% | $2,551-75.4% |
| Participant deferral / active EE | $1,897 | $3,214-41.0% | $5,453-65.2% | $4,139-54.2% |
| Admin fee / account holder | $6,176 | $6,352-2.8% | $14,116-56.2% | $7,234-14.6% |