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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 | $51,031 | $63,082-19.1% | $81,726-37.6% | $79,856-36.1% |
| Participation rate | 47.8% | 67.5%-19.7pp | 72.0%-24.2pp | 69.6%-21.8pp |
| Annual return | 17.17% | 22.66%-5.5pp | 29.49%-12.3pp | 31.71%-14.5pp |
| Employer contribution / active EE | $872 | $1,795-51.4% | $4,311-79.8% | $2,471-64.7% |
| Participant deferral / active EE | $4,968 | $2,780+78.7% | $7,108-30.1% | $3,741+32.8% |
| Admin fee / account holder | $817 | $4,428-81.6% | $5,160-84.2% | $5,306-84.6% |