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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 | $56,833 | $94,031-39.6% | $115,768-50.9% | $82,448-31.1% |
| Participation rate | 40.9% | 70.4%-29.5pp | 74.4%-33.5pp | 68.1%-27.2pp |
| Annual return | 12.31% | 20.61%-8.3pp | 100.46%-88.2pp | 41.64%-29.3pp |
| Employer contribution / active EE | $815 | $2,323-64.9% | $2,940-72.3% | $2,551-68.0% |
| Participant deferral / active EE | $1,915 | $3,972-51.8% | $4,917-61.1% | $4,139-53.7% |
| Admin fee / account holder | $2,420 | $10,249-76.4% | $12,439-80.5% | $7,234-66.5% |