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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 | $40,380 | $76,834-47.4% | $108,359-62.7% | $87,485-53.8% |
| Participation rate | 54.8% | 61.7%-6.9pp | 70.1%-15.3pp | 68.9%-14.1pp |
| Annual return | 14.95% | 19.09%-4.1pp | 36.89%-21.9pp | 26.06%-11.1pp |
| Employer contribution / active EE | $848 | $1,556-45.5% | $2,399-64.6% | $2,596-67.3% |
| Participant deferral / active EE | $2,612 | $3,100-15.7% | $4,137-36.9% | $4,274-38.9% |
| Admin fee / account holder | $4,244 | $6,537-35.1% | $9,741-56.4% | $7,775-45.4% |