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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 | $38,902 | $56,287-30.9% | $80,977-52.0% | $62,881-38.1% |
| Participation rate | 50.6% | 68.9%-18.4pp | 75.8%-25.2pp | 69.3%-18.7pp |
| Annual return | 9.56% | 22.13%-12.6pp | 17.11%-7.5pp | 20.14%-10.6pp |
| Employer contribution / active EE | $424 | $1,943-78.2% | $3,715-88.6% | $2,281-81.4% |
| Participant deferral / active EE | $5,251 | $4,196+25.2% | $5,696-7.8% | $3,203+63.9% |
| Admin fee / account holder | $4,118 | $3,742+10.0% | $5,517-25.4% | $4,296-4.1% |