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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 | $48,232 | $63,082-23.5% | $81,716-41.0% | $79,852-39.6% |
| Participation rate | 27.2% | 67.5%-40.4pp | 72.0%-44.8pp | 69.6%-42.5pp |
| Annual return | 19.08% | 22.66%-3.6pp | 29.49%-10.4pp | 31.72%-12.6pp |
| Employer contribution / active EE | $1,120 | $1,795-37.6% | $4,310-74.0% | $2,471-54.7% |
| Participant deferral / active EE | $2,544 | $2,780-8.5% | $7,108-64.2% | $3,740-32.0% |
| Admin fee / account holder | $608 | $4,428-86.3% | $5,159-88.2% | $5,306-88.5% |