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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 | $45,057 | $52,279-13.8% | $89,414-49.6% | $79,852-43.6% |
| Participation rate | 44.1% | 57.5%-13.4pp | 68.0%-23.9pp | 69.6%-25.5pp |
| Annual return | 17.03% | 22.16%-5.1pp | 245.50%-228.5pp | 31.72%-14.7pp |
| Employer contribution / active EE | $359 | $1,572-77.1% | $2,586-86.1% | $2,471-85.5% |
| Participant deferral / active EE | $2,472 | $2,740-9.8% | $3,890-36.4% | $3,740-33.9% |
| Admin fee / account holder | $763 | $3,356-77.3% | $4,883-84.4% | $5,306-85.6% |