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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 | $48,785 | $50,554-3.5% | $67,681-27.9% | $87,485-44.2% |
| Participation rate | 38.3% | 67.7%-29.4pp | 73.7%-35.4pp | 68.9%-30.6pp |
| Annual return | 19.19% | 17.81%+1.4pp | 590.58%-571.4pp | 26.06%-6.9pp |
| Employer contribution / active EE | $760 | $1,988-61.8% | $2,678-71.6% | $2,596-70.7% |
| Participant deferral / active EE | $1,933 | $2,961-34.7% | $3,976-51.4% | $4,274-54.8% |
| Admin fee / account holder | $1,146 | $4,132-72.3% | $6,100-81.2% | $7,775-85.3% |