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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 | $42,191 | $57,119-26.1% | $85,187-50.5% | $80,935-47.9% |
| Participation rate | 25.0% | 56.4%-31.4pp | 67.5%-42.5pp | 67.7%-42.7pp |
| Annual return | 12.94% | 21.70%-8.8pp | 66.67%-53.7pp | 35.66%-22.7pp |
| Employer contribution / active EE | $663 | $1,802-63.2% | $2,732-75.7% | $2,757-75.9% |
| Participant deferral / active EE | $1,552 | $3,115-50.2% | $4,525-65.7% | $4,299-63.9% |
| Admin fee / account holder | $5,653 | $4,990+13.3% | $6,162-8.3% | $6,924-18.4% |