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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 | $64,462-14.7% | $81,482-32.5% | $80,911-32.1% |
| Participation rate | 22.2% | 63.9%-41.7pp | 69.5%-47.3pp | 67.6%-45.4pp |
| Annual return | 13.47% | 16.35%-2.9pp | 24.79%-11.3pp | 35.63%-22.2pp |
| Employer contribution / active EE | $671 | $1,979-66.1% | $2,463-72.8% | $2,756-75.7% |
| Participant deferral / active EE | $1,095 | $3,094-64.6% | $3,885-71.8% | $4,297-74.5% |
| Admin fee / account holder | $2,097 | $5,678-63.1% | $5,761-63.6% | $6,935-69.8% |