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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 | $58,651 | $81,358-27.9% | $155,556-62.3% | $80,959-27.6% |
| Participation rate | 46.2% | 66.3%-20.1pp | 78.2%-32.1pp | 67.7%-21.5pp |
| Annual return | 12.21% | 33.39%-21.2pp | 64.84%-52.6pp | 35.67%-23.5pp |
| Employer contribution / active EE | $729 | $3,106-76.5% | $4,675-84.4% | $2,757-73.6% |
| Participant deferral / active EE | $2,946 | $3,455-14.7% | $5,631-47.7% | $4,300-31.5% |
| Admin fee / account holder | $8,547 | $7,994+6.9% | $15,885-46.2% | $6,925+23.4% |