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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 | $77,574-25.3% | $108,753-46.7% | $86,983-33.4% |
| Participation rate | 18.8% | 62.3%-43.5pp | 71.1%-52.3pp | 69.5%-50.8pp |
| Annual return | 18.86% | 18.42%+0.4pp | 37.47%-18.6pp | 25.83%-7.0pp |
| Employer contribution / active EE | $629 | $1,611-60.9% | $2,427-74.1% | $2,584-75.6% |
| Participant deferral / active EE | $2,376 | $3,128-24.1% | $4,115-42.3% | $4,194-43.4% |
| Admin fee / account holder | $2,417 | $6,529-63.0% | $10,320-76.6% | $7,856-69.2% |