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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 | $48,438 | $91,198-46.9% | $178,503-72.9% | $79,856-39.3% |
| Participation rate | 41.3% | 69.2%-27.9pp | 81.9%-40.7pp | 69.6%-28.4pp |
| Annual return | 11.71% | 24.20%-12.5pp | 151.12%-139.4pp | 31.71%-20.0pp |
| Employer contribution / active EE | $467 | $3,257-85.7% | $5,011-90.7% | $2,471-81.1% |
| Participant deferral / active EE | $2,661 | $3,237-17.8% | $5,202-48.8% | $3,741-28.9% |
| Admin fee / account holder | $5,571 | $6,748-17.4% | $13,987-60.2% | $5,306+5.0% |