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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 | $29,350 | $36,948-20.6% | $73,658-60.2% | $87,485-66.5% |
| Participation rate | 23.7% | 46.8%-23.1pp | 57.0%-33.4pp | 68.9%-45.2pp |
| Annual return | 15.38% | 28.64%-13.3pp | 29.72%-14.3pp | 26.06%-10.7pp |
| Employer contribution / active EE | $877 | $670+30.9% | $1,032-15.0% | $2,596-66.2% |
| Participant deferral / active EE | $1,194 | $1,379-13.5% | $2,062-42.1% | $4,274-72.1% |
| Admin fee / account holder | $1,679 | $2,531-33.7% | $3,357-50.0% | $7,775-78.4% |