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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 | $31,976 | $55,684-42.6% | $75,900-57.9% | $72,976-56.2% |
| Participation rate | 49.4% | 61.1%-11.7pp | 69.3%-19.9pp | 69.5%-20.1pp |
| Annual return | 17.95% | 27.60%-9.6pp | 30.73%-12.8pp | 81.02%-63.1pp |
| Employer contribution / active EE | $1,027 | $1,687-39.1% | $2,501-58.9% | $2,440-57.9% |
| Participant deferral / active EE | $1,521 | $2,634-42.2% | $3,604-57.8% | $3,608-57.8% |
| Admin fee / account holder | $3,482 | $3,981-12.5% | $5,421-35.8% | $5,124-32.0% |