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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 | $37,682 | $41,377-8.9% | $109,313-65.5% | $62,881-40.1% |
| Participation rate | 38.0% | 57.5%-19.5pp | 71.3%-33.2pp | 69.3%-31.3pp |
| Annual return | 9.29% | 11.05%-1.8pp | 22.07%-12.8pp | 20.14%-10.9pp |
| Employer contribution / active EE | $257 | $1,276-79.9% | $3,892-93.4% | $2,281-88.7% |
| Participant deferral / active EE | $1,599 | $2,045-21.8% | $3,166-49.5% | $3,203-50.1% |
| Admin fee / account holder | $2,127 | $2,884-26.3% | $5,666-62.5% | $4,296-50.5% |