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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 | $38,720 | $48,364-19.9% | $71,796-46.1% | $62,881-38.4% |
| Participation rate | 48.6% | 60.6%-12.1pp | 69.1%-20.5pp | 69.3%-20.7pp |
| Annual return | 5.22% | 13.16%-7.9pp | 78.04%-72.8pp | 20.14%-14.9pp |
| Employer contribution / active EE | $959 | $1,042-8.0% | $1,924-50.2% | $2,281-58.0% |
| Participant deferral / active EE | $1,273 | $2,091-39.1% | $2,794-54.5% | $3,203-60.3% |
| Admin fee / account holder | $1,267 | $3,771-66.4% | $4,815-73.7% | $4,296-70.5% |