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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 | $48,911 | $117,433-58.4% | $99,475-50.8% | $152,897-68.0% |
| Participation rate | 46.2% | 77.5%-31.4pp | 73.8%-27.7pp | 82.5%-36.3pp |
| Annual return | 16.31% | 31.87%-15.6pp | 30.72%-14.4pp | 345.43%-329.1pp |
| Employer contribution / active EE | $1,275 | $3,013-57.7% | $2,540-49.8% | $4,764-73.2% |
| Participant deferral / active EE | $4,221 | $4,086+3.3% | $3,619+16.7% | $5,851-27.9% |
| Admin fee / account holder | $13,726 | $7,634+79.8% | $6,252+119.5% | $11,599+18.3% |