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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 | $42,974 | $65,367-34.3% | $92,915-53.7% | $72,976-41.1% |
| Participation rate | 28.8% | 68.3%-39.5pp | 76.0%-47.2pp | 69.5%-40.7pp |
| Annual return | 17.73% | 42.11%-24.4pp | 109.45%-91.7pp | 81.02%-63.3pp |
| Employer contribution / active EE | $685 | $2,594-73.6% | $3,653-81.3% | $2,440-71.9% |
| Participant deferral / active EE | $1,429 | $3,128-54.3% | $4,238-66.3% | $3,608-60.4% |
| Admin fee / account holder | $1,522 | $4,251-64.2% | $5,796-73.7% | $5,124-70.3% |