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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 | $68,479 | $81,504-16.0% | $102,437-33.2% | $80,959-15.4% |
| Participation rate | 43.4% | 66.9%-23.4pp | 74.5%-31.1pp | 67.7%-24.2pp |
| Annual return | 12.07% | 25.60%-13.5pp | 24.95%-12.9pp | 35.67%-23.6pp |
| Employer contribution / active EE | $1,417 | $3,104-54.3% | $3,871-63.4% | $2,757-48.6% |
| Participant deferral / active EE | $2,113 | $3,871-45.4% | $5,060-58.2% | $4,300-50.9% |
| Admin fee / account holder | $6,020 | $6,719-10.4% | $8,388-28.2% | $6,925-13.1% |