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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 | $62,491 | $86,949-28.1% | $102,460-39.0% | $80,959-22.8% |
| Participation rate | 39.7% | 72.4%-32.7pp | 76.5%-36.9pp | 67.7%-28.0pp |
| Annual return | 15.71% | 18.89%-3.2pp | 29.47%-13.8pp | 35.67%-20.0pp |
| Employer contribution / active EE | $988 | $2,370-58.3% | $3,025-67.3% | $2,757-64.2% |
| Participant deferral / active EE | $1,998 | $4,121-51.5% | $5,056-60.5% | $4,300-53.5% |
| Admin fee / account holder | $396 | $8,048-95.1% | $9,460-95.8% | $6,925-94.3% |