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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 | $31,845 | $90,400-64.8% | $186,193-82.9% | $87,485-63.6% |
| Participation rate | 54.3% | 66.2%-11.9pp | 77.1%-22.8pp | 68.9%-14.6pp |
| Annual return | 16.23% | 22.15%-5.9pp | 78.03%-61.8pp | 26.06%-9.8pp |
| Employer contribution / active EE | $598 | $2,170-72.4% | $3,918-84.7% | $2,596-77.0% |
| Participant deferral / active EE | $2,885 | $4,330-33.4% | $6,513-55.7% | $4,274-32.5% |
| Admin fee / account holder | $3,510 | $8,673-59.5% | $11,058-68.3% | $7,775-54.9% |