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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 | $43,373 | $101,778-57.4% | $164,975-73.7% | $80,925-46.4% |
| Participation rate | 36.4% | 71.8%-35.5pp | 78.6%-42.3pp | 67.7%-31.3pp |
| Annual return | 11.03% | 16.73%-5.7pp | 70.12%-59.1pp | 35.65%-24.6pp |
| Employer contribution / active EE | $1,174 | $2,954-60.3% | $4,343-73.0% | $2,756-57.4% |
| Participant deferral / active EE | $2,267 | $4,477-49.4% | $6,033-62.4% | $4,299-47.3% |
| Admin fee / account holder | $3,752 | $8,221-54.4% | $12,688-70.4% | $6,940-45.9% |