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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 | $54,248 | $58,493-7.3% | $84,023-35.4% | $72,976-25.7% |
| Participation rate | 11.5% | 61.2%-49.7pp | 69.0%-57.5pp | 69.5%-58.0pp |
| Annual return | 20.04% | 28.93%-8.9pp | 71.32%-51.3pp | 81.02%-61.0pp |
| Employer contribution / active EE | $428 | $1,163-63.2% | $1,984-78.4% | $2,440-82.4% |
| Participant deferral / active EE | $1,557 | $2,394-35.0% | $3,239-51.9% | $3,608-56.8% |
| Admin fee / account holder | $1,420 | $4,569-68.9% | $6,102-76.7% | $5,124-72.3% |