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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 | $30,831 | $60,349-48.9% | $74,184-58.4% | $62,881-51.0% |
| Participation rate | 49.4% | 72.7%-23.3pp | 76.6%-27.2pp | 69.3%-19.9pp |
| Annual return | 14.20% | 21.38%-7.2pp | 17.74%-3.5pp | 20.14%-5.9pp |
| Employer contribution / active EE | $521 | $1,680-69.0% | $2,370-78.0% | $2,281-77.1% |
| Participant deferral / active EE | $1,816 | $2,856-36.4% | $3,550-48.8% | $3,203-43.3% |
| Admin fee / account holder | $4,969 | $4,261+16.6% | $5,586-11.0% | $4,296+15.7% |