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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 | $44,355 | $95,453-53.5% | $112,040-60.4% | $82,448-46.2% |
| Participation rate | 63.0% | 72.8%-9.8pp | 76.5%-13.5pp | 68.1%-5.1pp |
| Annual return | 13.69% | 23.92%-10.2pp | 24.52%-10.8pp | 41.64%-28.0pp |
| Employer contribution / active EE | $689 | $2,318-70.3% | $2,954-76.7% | $2,551-73.0% |
| Participant deferral / active EE | $2,968 | $4,224-29.7% | $5,098-41.8% | $4,139-28.3% |
| Admin fee / account holder | $1,242 | $9,013-86.2% | $12,098-89.7% | $7,234-82.8% |