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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 | $49,906 | $83,898-40.5% | $133,346-62.6% | $94,015-46.9% |
| Participation rate | 32.1% | 63.4%-31.3pp | 72.8%-40.8pp | 70.8%-38.7pp |
| Annual return | 15.71% | 16.00%-0.3pp | 36.85%-21.1pp | 17.84%-2.1pp |
| Employer contribution / active EE | $702 | $1,821-61.4% | $2,853-75.4% | $2,790-74.8% |
| Participant deferral / active EE | $1,463 | $3,245-54.9% | $4,332-66.2% | $4,249-65.6% |
| Admin fee / account holder | $3,271 | $7,809-58.1% | $14,264-77.1% | $8,951-63.5% |