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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 | $43,503 | $73,787-41.0% | $98,716-55.9% | $82,448-47.2% |
| Participation rate | 41.9% | 61.4%-19.5pp | 69.3%-27.4pp | 68.1%-26.1pp |
| Annual return | 18.22% | 18.57%-0.3pp | 31.81%-13.6pp | 41.64%-23.4pp |
| Employer contribution / active EE | $969 | $1,511-35.9% | $2,279-57.5% | $2,551-62.0% |
| Participant deferral / active EE | $1,416 | $3,081-54.1% | $4,048-65.0% | $4,139-65.8% |
| Admin fee / account holder | $1,154 | $6,500-82.3% | $8,703-86.7% | $7,234-84.1% |