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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 | $24,088 | $73,787-67.4% | $98,716-75.6% | $82,448-70.8% |
| Participation rate | 45.3% | 61.4%-16.1pp | 69.3%-24.0pp | 68.1%-22.8pp |
| Annual return | 32.93% | 18.57%+14.4pp | 31.81%+1.1pp | 41.64%-8.7pp |
| Employer contribution / active EE | $981 | $1,511-35.1% | $2,279-56.9% | $2,551-61.5% |
| Participant deferral / active EE | $1,752 | $3,081-43.1% | $4,048-56.7% | $4,139-57.7% |
| Admin fee / account holder | $1,122 | $6,500-82.7% | $8,703-87.1% | $7,234-84.5% |