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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 | $45,725 | $57,590-20.6% | $86,233-47.0% | $82,448-44.5% |
| Participation rate | 15.2% | 57.9%-42.7pp | 69.0%-53.9pp | 68.1%-52.9pp |
| Annual return | 17.80% | 22.41%-4.6pp | 61.39%-43.6pp | 41.64%-23.8pp |
| Employer contribution / active EE | $397 | $1,655-76.0% | $2,504-84.2% | $2,551-84.5% |
| Participant deferral / active EE | $919 | $3,080-70.2% | $4,559-79.8% | $4,139-77.8% |
| Admin fee / account holder | $3,393 | $4,730-28.3% | $8,342-59.3% | $7,234-53.1% |