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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 | $42,175 | $81,276-48.1% | $155,574-72.9% | $80,925-47.9% |
| Participation rate | 52.9% | 66.2%-13.3pp | 78.2%-25.3pp | 67.7%-14.7pp |
| Annual return | 17.58% | 33.36%-15.8pp | 64.87%-47.3pp | 35.65%-18.1pp |
| Employer contribution / active EE | $396 | $3,103-87.2% | $4,676-91.5% | $2,756-85.6% |
| Participant deferral / active EE | $2,462 | $3,453-28.7% | $5,629-56.3% | $4,299-42.7% |
| Admin fee / account holder | $3,276 | $7,993-59.0% | $15,914-79.4% | $6,940-52.8% |