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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 | $60,415 | $87,546-31.0% | $75,784-20.3% | $125,389-51.8% |
| Participation rate | 18.2% | 80.2%-62.0pp | 75.8%-57.6pp | 83.2%-65.0pp |
| Annual return | 0.86% | 13.49%-12.6pp | 9.68%-8.8pp | 282.24%-281.4pp |
| Employer contribution / active EE | $1,745 | $3,930-55.6% | $3,323-47.5% | $4,866-64.1% |
| Participant deferral / active EE | $3,273 | $4,230-22.6% | $3,652-10.4% | $5,352-38.8% |
| Admin fee / account holder | $400 | $6,503-93.8% | $5,300-92.5% | $9,541-95.8% |