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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 | $57,912 | $76,834-24.6% | $108,359-46.6% | $87,485-33.8% |
| Participation rate | 18.8% | 61.7%-43.0pp | 70.1%-51.4pp | 68.9%-50.2pp |
| Annual return | 18.86% | 19.09%-0.2pp | 36.89%-18.0pp | 26.06%-7.2pp |
| Employer contribution / active EE | $629 | $1,556-59.6% | $2,399-73.8% | $2,596-75.8% |
| Participant deferral / active EE | $2,376 | $3,100-23.4% | $4,137-42.6% | $4,274-44.4% |
| Admin fee / account holder | $2,417 | $6,537-63.0% | $9,741-75.2% | $7,775-68.9% |