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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 | $56,924 | $97,648-41.7% | $121,663-53.2% | $87,485-34.9% |
| Participation rate | 31.0% | 70.5%-39.5pp | 74.5%-43.5pp | 68.9%-38.0pp |
| Annual return | 43.96% | 18.03%+25.9pp | 147.54%-103.6pp | 26.06%+17.9pp |
| Employer contribution / active EE | $809 | $2,300-64.9% | $3,020-73.2% | $2,596-68.9% |
| Participant deferral / active EE | $4,184 | $3,923+6.6% | $4,887-14.4% | $4,274-2.1% |
| Admin fee / account holder | $1,929 | $11,100-82.6% | $14,289-86.5% | $7,775-75.2% |