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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 | $56,456 | $76,407-26.1% | $150,298-62.4% | $82,448-31.5% |
| Participation rate | 32.1% | 66.4%-34.3pp | 77.8%-45.6pp | 68.1%-35.9pp |
| Annual return | 14.65% | 39.99%-25.3pp | 62.79%-48.1pp | 41.64%-27.0pp |
| Employer contribution / active EE | $352 | $2,614-86.5% | $4,154-91.5% | $2,551-86.2% |
| Participant deferral / active EE | $2,607 | $3,214-18.9% | $5,453-52.2% | $4,139-37.0% |
| Admin fee / account holder | $750 | $6,352-88.2% | $14,116-94.7% | $7,234-89.6% |