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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 | $49,954 | $55,684-10.3% | $75,900-34.2% | $72,976-31.5% |
| Participation rate | 44.0% | 61.1%-17.1pp | 69.3%-25.3pp | 69.5%-25.5pp |
| Annual return | 17.06% | 27.60%-10.5pp | 30.73%-13.7pp | 81.02%-64.0pp |
| Employer contribution / active EE | $820 | $1,687-51.4% | $2,501-67.2% | $2,440-66.4% |
| Participant deferral / active EE | $1,332 | $2,634-49.4% | $3,604-63.0% | $3,608-63.1% |
| Admin fee / account holder | $2,978 | $3,981-25.2% | $5,421-45.1% | $5,124-41.9% |