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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 | $42,159 | $35,183+19.8% | $73,550-42.7% | $70,126-39.9% |
| Participation rate | 6.5% | 42.9%-36.4pp | 54.9%-48.4pp | 69.5%-63.0pp |
| Annual return | 19.23% | 26.90%-7.7pp | -15.16%+34.4pp | 73.15%-53.9pp |
| Employer contribution / active EE | $389 | $709-45.2% | $1,219-68.1% | $2,343-83.4% |
| Participant deferral / active EE | $991 | $1,220-18.8% | $1,804-45.1% | $3,332-70.3% |
| Admin fee / account holder | $1,745 | $2,302-24.2% | $2,320-24.8% | $4,645-62.4% |