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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 | $30,989 | $54,757-43.4% | $90,304-65.7% | $72,975-57.5% |
| Participation rate | 32.5% | 65.2%-32.7pp | 73.3%-40.8pp | 69.5%-37.0pp |
| Annual return | 22.58% | 30.63%-8.0pp | 78.13%-55.6pp | 81.01%-58.4pp |
| Employer contribution / active EE | $618 | $2,093-70.5% | $2,855-78.3% | $2,440-74.7% |
| Participant deferral / active EE | $888 | $2,887-69.2% | $3,885-77.1% | $3,608-75.4% |
| Admin fee / account holder | $2,188 | $3,973-44.9% | $5,354-59.1% | $5,124-57.3% |