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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 | $54,349 | $77,962-30.3% | $178,540-69.6% | $80,935-32.8% |
| Participation rate | 40.4% | 65.7%-25.3pp | 77.1%-36.7pp | 67.7%-27.3pp |
| Annual return | 16.65% | 18.10%-1.4pp | 27.15%-10.5pp | 35.66%-19.0pp |
| Employer contribution / active EE | $596 | $2,280-73.9% | $3,953-84.9% | $2,757-78.4% |
| Participant deferral / active EE | $1,890 | $4,404-57.1% | $6,281-69.9% | $4,299-56.0% |
| Admin fee / account holder | $6,561 | $7,156-8.3% | $10,424-37.1% | $6,924-5.3% |