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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 | $57,331 | $67,602-15.2% | $82,312-30.3% | $70,126-18.2% |
| Participation rate | 63.2% | 72.8%-9.6pp | 76.9%-13.7pp | 69.5%-6.4pp |
| Annual return | 16.14% | 21.57%-5.4pp | 25.88%-9.7pp | 73.15%-57.0pp |
| Employer contribution / active EE | $514 | $1,755-70.7% | $2,428-78.8% | $2,343-78.1% |
| Participant deferral / active EE | $2,324 | $2,987-22.2% | $3,706-37.3% | $3,332-30.3% |
| Admin fee / account holder | $854 | $4,512-81.1% | $5,608-84.8% | $4,645-81.6% |