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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 | $42,329 | $57,119-25.9% | $85,187-50.3% | $80,935-47.7% |
| Participation rate | 36.1% | 56.4%-20.3pp | 67.5%-31.4pp | 67.7%-31.6pp |
| Annual return | 11.83% | 21.70%-9.9pp | 66.67%-54.8pp | 35.66%-23.8pp |
| Employer contribution / active EE | $636 | $1,802-64.7% | $2,732-76.7% | $2,757-76.9% |
| Participant deferral / active EE | $1,187 | $3,115-61.9% | $4,525-73.8% | $4,299-72.4% |
| Admin fee / account holder | $4,960 | $4,990-0.6% | $6,162-19.5% | $6,924-28.4% |