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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 | $12,095 | $43,075-71.9% | $74,577-83.8% | $62,881-80.8% |
| Participation rate | 50.0% | 58.1%-8.1pp | 68.1%-18.1pp | 69.3%-19.3pp |
| Annual return | 5.19% | 17.50%-12.3pp | 20.47%-15.3pp | 20.14%-15.0pp |
| Employer contribution / active EE | $960 | $1,498-35.9% | $2,525-62.0% | $2,281-57.9% |
| Participant deferral / active EE | $1,213 | $2,389-49.2% | $3,458-64.9% | $3,203-62.1% |
| Admin fee / account holder | $1,662 | $2,840-41.5% | $4,138-59.8% | $4,296-61.3% |