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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 | $74,055 | $75,541-2.0% | $152,093-51.3% | $82,637-10.4% |
| Participation rate | 35.4% | 66.5%-31.1pp | 77.8%-42.3pp | 68.1%-32.6pp |
| Annual return | 16.18% | 32.56%-16.4pp | 66.36%-50.2pp | 53.51%-37.3pp |
| Employer contribution / active EE | $693 | $2,622-73.6% | $4,175-83.4% | $2,552-72.9% |
| Participant deferral / active EE | $2,152 | $3,206-32.9% | $5,451-60.5% | $4,126-47.9% |
| Admin fee / account holder | $1,153 | $6,405-82.0% | $14,497-92.0% | $7,339-84.3% |