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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 | $54,924 | $65,395-16.0% | $182,540-69.9% | $72,975-24.7% |
| Participation rate | 46.7% | 65.4%-18.8pp | 78.0%-31.3pp | 69.5%-22.8pp |
| Annual return | 22.92% | 27.68%-4.8pp | 148.58%-125.7pp | 81.01%-58.1pp |
| Employer contribution / active EE | $375 | $1,911-80.4% | $4,076-90.8% | $2,440-84.6% |
| Participant deferral / active EE | $1,679 | $3,563-52.9% | $5,525-69.6% | $3,608-53.5% |
| Admin fee / account holder | $3,032 | $4,245-28.6% | $8,593-64.7% | $5,124-40.8% |