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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 | $77,648 | $69,273+12.1% | $90,796-14.5% | $82,637-6.0% |
| Participation rate | 24.0% | 64.0%-40.0pp | 69.5%-45.5pp | 68.1%-44.1pp |
| Annual return | 17.51% | 18.37%-0.9pp | 19.29%-1.8pp | 53.51%-36.0pp |
| Employer contribution / active EE | $535 | $1,865-71.3% | $2,294-76.7% | $2,552-79.0% |
| Participant deferral / active EE | $1,804 | $3,047-40.8% | $3,822-52.8% | $4,126-56.3% |
| Admin fee / account holder | $500 | $5,511-90.9% | $7,024-92.9% | $7,339-93.2% |