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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 | $75,546 | $88,672-14.8% | $105,223-28.2% | $82,448-8.4% |
| Participation rate | 40.6% | 67.9%-27.3pp | 75.0%-34.4pp | 68.1%-27.4pp |
| Annual return | 19.21% | 30.86%-11.6pp | 180.65%-161.4pp | 41.64%-22.4pp |
| Employer contribution / active EE | $952 | $3,048-68.7% | $3,689-74.2% | $2,551-62.7% |
| Participant deferral / active EE | $3,475 | $4,036-13.9% | $5,072-31.5% | $4,139-16.0% |
| Admin fee / account holder | $2,099 | $7,146-70.6% | $8,859-76.3% | $7,234-71.0% |