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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 | $42,902 | $80,855-46.9% | $153,416-72.0% | $86,983-50.7% |
| Participation rate | 31.3% | 64.1%-32.8pp | 74.3%-43.0pp | 69.5%-38.2pp |
| Annual return | 16.53% | 16.18%+0.3pp | 17.84%-1.3pp | 25.83%-9.3pp |
| Employer contribution / active EE | $688 | $2,308-70.2% | $3,764-81.7% | $2,584-73.4% |
| Participant deferral / active EE | $1,854 | $3,333-44.4% | $4,723-60.7% | $4,194-55.8% |
| Admin fee / account holder | $1,386 | $6,908-79.9% | $13,095-89.4% | $7,856-82.4% |