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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 | $54,173 | $36,948+46.6% | $73,658-26.5% | $87,485-38.1% |
| Participation rate | 26.9% | 46.8%-19.9pp | 57.0%-30.1pp | 68.9%-42.0pp |
| Annual return | 20.49% | 28.64%-8.1pp | 29.72%-9.2pp | 26.06%-5.6pp |
| Employer contribution / active EE | $834 | $670+24.5% | $1,032-19.2% | $2,596-67.9% |
| Participant deferral / active EE | $2,253 | $1,379+63.4% | $2,062+9.3% | $4,274-47.3% |
| Admin fee / account holder | $1,663 | $2,531-34.3% | $3,357-50.5% | $7,775-78.6% |