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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 | $48,301 | $76,407-36.8% | $150,298-67.9% | $82,448-41.4% |
| Participation rate | 29.6% | 66.4%-36.8pp | 77.8%-48.1pp | 68.1%-38.4pp |
| Annual return | 20.98% | 39.99%-19.0pp | 62.79%-41.8pp | 41.64%-20.7pp |
| Employer contribution / active EE | $506 | $2,614-80.7% | $4,154-87.8% | $2,551-80.2% |
| Participant deferral / active EE | $2,414 | $3,214-24.9% | $5,453-55.7% | $4,139-41.7% |
| Admin fee / account holder | $1,584 | $6,352-75.1% | $14,116-88.8% | $7,234-78.1% |