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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 | $35,778 | $59,440-39.8% | $78,004-54.1% | $82,637-56.7% |
| Participation rate | 51.9% | 62.8%-10.9pp | 69.4%-17.5pp | 68.1%-16.1pp |
| Annual return | 14.57% | 40.24%-25.7pp | 31.07%-16.5pp | 53.51%-38.9pp |
| Employer contribution / active EE | $900 | $1,750-48.6% | $2,469-63.5% | $2,552-64.7% |
| Participant deferral / active EE | $1,789 | $3,138-43.0% | $4,092-56.3% | $4,126-56.7% |
| Admin fee / account holder | $3,930 | $5,504-28.6% | $7,578-48.1% | $7,339-46.5% |