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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 | $63,524 | $73,787-13.9% | $98,716-35.6% | $82,448-23.0% |
| Participation rate | 53.6% | 61.4%-7.8pp | 69.3%-15.7pp | 68.1%-14.5pp |
| Annual return | 17.00% | 18.57%-1.6pp | 31.81%-14.8pp | 41.64%-24.6pp |
| Employer contribution / active EE | $356 | $1,511-76.4% | $2,279-84.4% | $2,551-86.0% |
| Participant deferral / active EE | $2,621 | $3,081-14.9% | $4,048-35.2% | $4,139-36.7% |
| Admin fee / account holder | $2,973 | $6,500-54.3% | $8,703-65.8% | $7,234-58.9% |