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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 | $74,535-13.5% | $100,712-36.0% | $82,637-22.0% |
| Participation rate | 41.7% | 61.2%-19.5pp | 69.3%-27.6pp | 68.1%-26.4pp |
| Annual return | 13.24% | 18.92%-5.7pp | 33.27%-20.0pp | 53.51%-40.3pp |
| Employer contribution / active EE | $928 | $1,503-38.2% | $2,313-59.9% | $2,552-63.6% |
| Participant deferral / active EE | $2,510 | $3,074-18.4% | $4,085-38.6% | $4,126-39.2% |
| Admin fee / account holder | $1,423 | $6,576-78.4% | $9,256-84.6% | $7,339-80.6% |