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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 | $29,749 | $81,358-63.4% | $155,556-80.9% | $80,959-63.3% |
| Participation rate | 17.9% | 66.3%-48.4pp | 78.2%-60.4pp | 67.7%-49.8pp |
| Annual return | 10.78% | 33.39%-22.6pp | 64.84%-54.1pp | 35.67%-24.9pp |
| Employer contribution / active EE | $577 | $3,106-81.4% | $4,675-87.7% | $2,757-79.1% |
| Participant deferral / active EE | $2,686 | $3,455-22.3% | $5,631-52.3% | $4,300-37.5% |
| Admin fee / account holder | $3,873 | $7,994-51.5% | $15,885-75.6% | $6,925-44.1% |