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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 | $40,137 | $42,378-5.3% | $78,004-48.5% | $71,012-43.5% |
| Participation rate | 23.3% | 46.9%-23.5pp | 69.4%-46.1pp | 58.6%-35.2pp |
| Annual return | 13.30% | 19.23%-5.9pp | 31.07%-17.8pp | 37.67%-24.4pp |
| Employer contribution / active EE | $545 | $1,375-60.4% | $2,469-77.9% | $2,348-76.8% |
| Participant deferral / active EE | $638 | $2,097-69.6% | $4,092-84.4% | $3,246-80.4% |
| Admin fee / account holder | $2,733 | $2,377+15.0% | $7,578-63.9% | $1,167+134.2% |