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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 | $64,449 | $77,574-16.9% | $108,753-40.7% | $86,983-25.9% |
| Participation rate | 41.7% | 62.3%-20.6pp | 71.1%-29.4pp | 69.5%-27.9pp |
| Annual return | 13.24% | 18.42%-5.2pp | 37.47%-24.2pp | 25.83%-12.6pp |
| Employer contribution / active EE | $928 | $1,611-42.4% | $2,427-61.7% | $2,584-64.1% |
| Participant deferral / active EE | $2,510 | $3,128-19.8% | $4,115-39.0% | $4,194-40.2% |
| Admin fee / account holder | $1,423 | $6,529-78.2% | $10,320-86.2% | $7,856-81.9% |