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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 | $43,341 | $75,541-42.6% | $152,093-71.5% | $82,637-47.6% |
| Participation rate | 35.8% | 66.5%-30.7pp | 77.8%-41.9pp | 68.1%-32.2pp |
| Annual return | 19.63% | 32.56%-12.9pp | 66.36%-46.7pp | 53.51%-33.9pp |
| Employer contribution / active EE | $656 | $2,622-75.0% | $4,175-84.3% | $2,552-74.3% |
| Participant deferral / active EE | $1,412 | $3,206-56.0% | $5,451-74.1% | $4,126-65.8% |
| Admin fee / account holder | $1,573 | $6,405-75.4% | $14,497-89.1% | $7,339-78.6% |