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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 | $54,972 | $63,845-13.9% | $81,370-32.4% | $80,959-32.1% |
| Participation rate | 22.2% | 63.9%-41.7pp | 69.5%-47.3pp | 67.7%-45.4pp |
| Annual return | 13.47% | 16.37%-2.9pp | 24.85%-11.4pp | 35.67%-22.2pp |
| Employer contribution / active EE | $671 | $1,980-66.1% | $2,464-72.8% | $2,757-75.7% |
| Participant deferral / active EE | $1,095 | $3,093-64.6% | $3,885-71.8% | $4,300-74.5% |
| Admin fee / account holder | $2,097 | $5,688-63.1% | $5,749-63.5% | $6,925-69.7% |