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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 | $46,099 | $77,638-40.6% | $156,551-70.6% | $62,881-26.7% |
| Participation rate | 40.4% | 71.2%-30.8pp | 84.0%-43.6pp | 69.3%-28.9pp |
| Annual return | 5.55% | 50.33%-44.8pp | 32.23%-26.7pp | 20.14%-14.6pp |
| Employer contribution / active EE | $764 | $3,444-77.8% | $5,501-86.1% | $2,281-66.5% |
| Participant deferral / active EE | $1,623 | $3,046-46.7% | $4,871-66.7% | $3,203-49.3% |
| Admin fee / account holder | $1,777 | $5,561-68.1% | $13,028-86.4% | $4,296-58.6% |