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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 | $37,613 | $48,364-22.2% | $71,796-47.6% | $62,881-40.2% |
| Participation rate | 54.7% | 60.6%-5.9pp | 69.1%-14.4pp | 69.3%-14.6pp |
| Annual return | 7.74% | 13.16%-5.4pp | 78.04%-70.3pp | 20.14%-12.4pp |
| Employer contribution / active EE | $349 | $1,042-66.5% | $1,924-81.9% | $2,281-84.7% |
| Participant deferral / active EE | $1,771 | $2,091-15.3% | $2,794-36.6% | $3,203-44.7% |
| Admin fee / account holder | $1,402 | $3,771-62.8% | $4,815-70.9% | $4,296-67.4% |