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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 | $55,706-10.3% | $75,888-34.2% | $72,986-31.6% |
| Participation rate | 44.0% | 61.1%-17.1pp | 69.3%-25.3pp | 69.5%-25.5pp |
| Annual return | 17.06% | 27.59%-10.5pp | 30.76%-13.7pp | 81.01%-63.9pp |
| 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% | $3,603-63.0% | $3,607-63.1% |
| Admin fee / account holder | $2,978 | $3,978-25.1% | $5,419-45.0% | $5,124-41.9% |