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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 | $42,635 | $63,456-32.8% | $100,712-57.7% | $64,097-33.5% |
| Participation rate | 40.0% | 49.7%-9.7pp | 69.3%-29.3pp | 55.2%-15.2pp |
| Annual return | 13.37% | 19.65%-6.3pp | 33.27%-19.9pp | 34.64%-21.3pp |
| Employer contribution / active EE | $440 | $1,003-56.1% | $2,313-81.0% | $1,891-76.8% |
| Participant deferral / active EE | $1,634 | $2,463-33.7% | $4,085-60.0% | $3,080-46.9% |
| Admin fee / account holder | $9,040 | $4,808+88.0% | $9,256-2.3% | $3,454+161.7% |