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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 | $76,834-43.4% | $108,359-59.9% | $87,485-50.3% |
| Participation rate | 41.9% | 61.7%-19.8pp | 70.1%-28.2pp | 68.9%-27.0pp |
| Annual return | 18.22% | 19.09%-0.9pp | 36.89%-18.7pp | 26.06%-7.8pp |
| Employer contribution / active EE | $969 | $1,556-37.8% | $2,399-59.6% | $2,596-62.7% |
| Participant deferral / active EE | $1,416 | $3,100-54.3% | $4,137-65.8% | $4,274-66.9% |
| Admin fee / account holder | $1,154 | $6,537-82.4% | $9,741-88.2% | $7,775-85.2% |