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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 | $41,032 | $71,215-42.4% | $93,696-56.2% | $80,935-49.3% |
| Participation rate | 39.7% | 60.4%-20.7pp | 68.7%-29.1pp | 67.7%-28.0pp |
| Annual return | 11.69% | 11.27%+0.4pp | 133.74%-122.1pp | 35.66%-24.0pp |
| Employer contribution / active EE | $720 | $1,565-54.0% | $2,422-70.3% | $2,757-73.9% |
| Participant deferral / active EE | $2,366 | $4,037-41.4% | $4,417-46.4% | $4,299-45.0% |
| Admin fee / account holder | $9,146 | $6,958+31.5% | $8,287+10.4% | $6,924+32.1% |