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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 | $46,255 | $85,515-45.9% | $112,040-58.7% | $67,986-32.0% |
| Participation rate | 44.6% | 68.2%-23.6pp | 76.5%-31.9pp | 57.2%-12.6pp |
| Annual return | 19.97% | 29.68%-9.7pp | 24.52%-4.5pp | 31.67%-11.7pp |
| Employer contribution / active EE | $775 | $2,191-64.6% | $2,954-73.8% | $2,019-61.6% |
| Participant deferral / active EE | $2,186 | $4,014-45.5% | $5,098-57.1% | $3,358-34.9% |
| Admin fee / account holder | $1,985 | $3,774-47.4% | $12,098-83.6% | $3,203-38.0% |