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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 | $59,565 | $76,371-22.0% | $93,621-36.4% | $72,975-18.4% |
| Participation rate | 40.0% | 71.8%-31.8pp | 75.8%-35.8pp | 69.5%-29.5pp |
| Annual return | 18.98% | 25.82%-6.8pp | 32.76%-13.8pp | 81.01%-62.0pp |
| Employer contribution / active EE | $641 | $2,276-71.8% | $2,719-76.4% | $2,440-73.7% |
| Participant deferral / active EE | $1,455 | $3,538-58.9% | $4,070-64.2% | $3,608-59.7% |
| Admin fee / account holder | $8,620 | $6,839+26.0% | $7,890+9.3% | $5,124+68.2% |