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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 | $31,855 | $45,343-29.7% | $150,298-78.8% | $67,986-53.1% |
| Participation rate | 24.1% | 51.9%-27.8pp | 77.8%-53.7pp | 57.2%-33.1pp |
| Annual return | 18.10% | 33.28%-15.2pp | 62.79%-44.7pp | 31.67%-13.6pp |
| Employer contribution / active EE | $644 | $1,462-55.9% | $4,154-84.5% | $2,019-68.1% |
| Participant deferral / active EE | $1,128 | $2,055-45.1% | $5,453-79.3% | $3,358-66.4% |
| Admin fee / account holder | $2,333 | $2,250+3.7% | $14,116-83.5% | $3,203-27.2% |