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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 | $44,104 | $101,795-56.7% | $165,100-73.3% | $80,959-45.5% |
| Participation rate | 45.9% | 71.8%-25.9pp | 78.6%-32.7pp | 67.7%-21.7pp |
| Annual return | 13.17% | 16.73%-3.6pp | 70.21%-57.0pp | 35.67%-22.5pp |
| Employer contribution / active EE | $846 | $2,954-71.4% | $4,348-80.6% | $2,757-69.3% |
| Participant deferral / active EE | $2,232 | $4,476-50.1% | $6,035-63.0% | $4,300-48.1% |
| Admin fee / account holder | $6,115 | $8,221-25.6% | $12,696-51.8% | $6,925-11.7% |