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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 | $58,559 | $65,034-10.0% | $90,970-35.6% | $79,856-26.7% |
| Participation rate | 37.5% | 61.6%-24.1pp | 69.0%-31.5pp | 69.6%-32.1pp |
| Annual return | 13.72% | 30.45%-16.7pp | 134.60%-120.9pp | 31.71%-18.0pp |
| Employer contribution / active EE | $624 | $1,247-50.0% | $2,122-70.6% | $2,471-74.7% |
| Participant deferral / active EE | $2,016 | $2,512-19.7% | $3,373-40.2% | $3,741-46.1% |
| Admin fee / account holder | $3,354 | $4,536-26.1% | $5,961-43.7% | $5,306-36.8% |