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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 | $56,220 | $75,541-25.6% | $152,093-63.0% | $82,637-32.0% |
| Participation rate | 42.9% | 66.5%-23.7pp | 77.8%-34.9pp | 68.1%-25.2pp |
| Annual return | 17.99% | 32.56%-14.6pp | 66.36%-48.4pp | 53.51%-35.5pp |
| Employer contribution / active EE | $979 | $2,622-62.6% | $4,175-76.5% | $2,552-61.6% |
| Participant deferral / active EE | $2,284 | $3,206-28.8% | $5,451-58.1% | $4,126-44.7% |
| Admin fee / account holder | $1,823 | $6,405-71.5% | $14,497-87.4% | $7,339-75.2% |