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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 | $41,739 | $81,276-48.6% | $155,574-73.2% | $80,925-48.4% |
| Participation rate | 34.4% | 66.2%-31.9pp | 78.2%-43.8pp | 67.7%-33.3pp |
| Annual return | 11.13% | 33.36%-22.2pp | 64.87%-53.7pp | 35.65%-24.5pp |
| Employer contribution / active EE | $653 | $3,103-79.0% | $4,676-86.0% | $2,756-76.3% |
| Participant deferral / active EE | $1,341 | $3,453-61.2% | $5,629-76.2% | $4,299-68.8% |
| Admin fee / account holder | $2,576 | $7,993-67.8% | $15,914-83.8% | $6,940-62.9% |