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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 | $39,090 | $57,119-31.6% | $85,187-54.1% | $80,935-51.7% |
| Participation rate | 40.0% | 56.4%-16.4pp | 67.5%-27.5pp | 67.7%-27.7pp |
| Annual return | 11.94% | 21.70%-9.8pp | 66.67%-54.7pp | 35.66%-23.7pp |
| Employer contribution / active EE | $1,056 | $1,802-41.4% | $2,732-61.4% | $2,757-61.7% |
| Participant deferral / active EE | $1,905 | $3,115-38.8% | $4,525-57.9% | $4,299-55.7% |
| Admin fee / account holder | $381 | $4,990-92.4% | $6,162-93.8% | $6,924-94.5% |