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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 | $64,534 | $81,358-20.7% | $155,556-58.5% | $80,959-20.3% |
| Participation rate | 41.5% | 66.3%-24.8pp | 78.2%-36.8pp | 67.7%-26.2pp |
| Annual return | 12.20% | 33.39%-21.2pp | 64.84%-52.6pp | 35.67%-23.5pp |
| Employer contribution / active EE | $760 | $3,106-75.5% | $4,675-83.7% | $2,757-72.4% |
| Participant deferral / active EE | $3,146 | $3,455-9.0% | $5,631-44.1% | $4,300-26.8% |
| Admin fee / account holder | $456 | $7,994-94.3% | $15,885-97.1% | $6,925-93.4% |