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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 | $41,021 | $86,938-52.8% | $102,423-59.9% | $80,925-49.3% |
| Participation rate | 64.3% | 72.4%-8.1pp | 76.5%-12.2pp | 67.7%-3.4pp |
| Annual return | 17.11% | 18.89%-1.8pp | 29.42%-12.3pp | 35.65%-18.5pp |
| Employer contribution / active EE | $740 | $2,369-68.8% | $3,023-75.5% | $2,756-73.2% |
| Participant deferral / active EE | $3,523 | $4,120-14.5% | $5,054-30.3% | $4,299-18.1% |
| Admin fee / account holder | $2,971 | $8,053-63.1% | $9,455-68.6% | $6,940-57.2% |