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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 | $14,248 | $48,078-70.4% | $78,676-81.9% | $62,881-77.3% |
| Participation rate | 37.8% | 65.2%-27.4pp | 73.6%-35.8pp | 69.3%-31.5pp |
| Annual return | 5.04% | 31.36%-26.3pp | 62.19%-57.1pp | 20.14%-15.1pp |
| Employer contribution / active EE | $697 | $2,015-65.4% | $2,850-75.6% | $2,281-69.5% |
| Participant deferral / active EE | $1,313 | $2,587-49.2% | $3,517-62.7% | $3,203-59.0% |
| Admin fee / account holder | $1,636 | $3,206-49.0% | $4,510-63.7% | $4,296-61.9% |