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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 | $61,407 | $58,627+4.7% | $76,735-20.0% | $82,448-25.5% |
| Participation rate | 25.8% | 63.2%-37.4pp | 69.5%-43.7pp | 68.1%-42.2pp |
| Annual return | 18.74% | 39.10%-20.4pp | 29.77%-11.0pp | 41.64%-22.9pp |
| Employer contribution / active EE | $957 | $1,729-44.7% | $2,454-61.0% | $2,551-62.5% |
| Participant deferral / active EE | $1,720 | $3,134-45.1% | $4,088-57.9% | $4,139-58.5% |
| Admin fee / account holder | $4,329 | $5,323-18.7% | $7,189-39.8% | $7,234-40.2% |