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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 | $40,961 | $81,331-49.6% | $155,534-73.7% | $80,935-49.4% |
| Participation rate | 20.8% | 66.3%-45.4pp | 78.2%-57.4pp | 67.7%-46.8pp |
| Annual return | 17.70% | 33.37%-15.7pp | 64.92%-47.2pp | 35.66%-18.0pp |
| Employer contribution / active EE | $554 | $3,105-82.2% | $4,675-88.1% | $2,757-79.9% |
| Participant deferral / active EE | $1,903 | $3,454-44.9% | $5,630-66.2% | $4,299-55.7% |
| Admin fee / account holder | $4,300 | $7,999-46.2% | $15,900-73.0% | $6,924-37.9% |