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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 | $33,735 | $56,063-39.8% | $76,051-55.6% | $80,911-58.3% |
| Participation rate | 38.3% | 62.0%-23.7pp | 69.1%-30.7pp | 67.6%-29.3pp |
| Annual return | 17.81% | 20.54%-2.7pp | 360.42%-342.6pp | 35.63%-17.8pp |
| Employer contribution / active EE | $588 | $1,874-68.6% | $2,690-78.2% | $2,756-78.7% |
| Participant deferral / active EE | $3,464 | $3,052+13.5% | $4,257-18.6% | $4,297-19.4% |
| Admin fee / account holder | $2,571 | $5,240-50.9% | $6,416-59.9% | $6,935-62.9% |