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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 | $43,650 | $51,283-14.9% | $95,759-54.4% | $71,529-39.0% |
| Participation rate | 29.2% | 63.1%-33.9pp | 72.3%-43.1pp | 67.9%-38.8pp |
| Annual return | 17.59% | 25.25%-7.7pp | 28.42%-10.8pp | 28.97%-11.4pp |
| Employer contribution / active EE | $911 | $1,817-49.8% | $2,836-67.9% | $2,590-64.8% |
| Participant deferral / active EE | $1,589 | $3,365-52.8% | $4,244-62.5% | $4,291-63.0% |
| Admin fee / account holder | $4,385 | $1,135+286.3% | $5,678-22.8% | $1,588+176.0% |