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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 | $61,615 | $95,453-35.4% | $112,040-45.0% | $82,448-25.3% |
| Participation rate | 43.1% | 72.8%-29.7pp | 76.5%-33.4pp | 68.1%-25.0pp |
| Annual return | 21.57% | 23.92%-2.4pp | 24.52%-3.0pp | 41.64%-20.1pp |
| Employer contribution / active EE | $786 | $2,318-66.1% | $2,954-73.4% | $2,551-69.2% |
| Participant deferral / active EE | $2,060 | $4,224-51.2% | $5,098-59.6% | $4,139-50.2% |
| Admin fee / account holder | $6,188 | $9,013-31.3% | $12,098-48.9% | $7,234-14.5% |