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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 | $43,225 | $86,949-50.3% | $102,460-57.8% | $80,959-46.6% |
| Participation rate | 55.3% | 72.4%-17.1pp | 76.5%-21.2pp | 67.7%-12.3pp |
| Annual return | 11.09% | 18.89%-7.8pp | 29.47%-18.4pp | 35.67%-24.6pp |
| Employer contribution / active EE | $900 | $2,370-62.0% | $3,025-70.3% | $2,757-67.4% |
| Participant deferral / active EE | $1,994 | $4,121-51.6% | $5,056-60.6% | $4,300-53.6% |
| Admin fee / account holder | $1,639 | $8,048-79.6% | $9,460-82.7% | $6,925-76.3% |