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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 | $58,321 | $72,027-19.0% | $185,835-68.6% | $79,852-27.0% |
| Participation rate | 29.0% | 65.8%-36.7pp | 78.0%-49.0pp | 69.6%-40.6pp |
| Annual return | 15.98% | 23.13%-7.1pp | 35.96%-20.0pp | 31.72%-15.7pp |
| Employer contribution / active EE | $813 | $1,965-58.6% | $4,087-80.1% | $2,471-67.1% |
| Participant deferral / active EE | $2,471 | $3,780-34.6% | $5,633-56.1% | $3,740-33.9% |
| Admin fee / account holder | $3,185 | $4,513-29.4% | $9,502-66.5% | $5,306-40.0% |