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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 | $41,681 | $101,798-59.1% | $165,071-74.7% | $80,935-48.5% |
| Participation rate | 58.2% | 71.8%-13.6pp | 78.6%-20.4pp | 67.7%-9.5pp |
| Annual return | 17.15% | 16.73%+0.4pp | 70.17%-53.0pp | 35.66%-18.5pp |
| Employer contribution / active EE | $928 | $2,954-68.6% | $4,347-78.7% | $2,757-66.4% |
| Participant deferral / active EE | $3,251 | $4,476-27.4% | $6,035-46.1% | $4,299-24.4% |
| Admin fee / account holder | $1,652 | $8,221-79.9% | $12,695-87.0% | $6,924-76.1% |