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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 | $44,200 | $56,110-21.2% | $94,993-53.5% | $70,126-37.0% |
| Participation rate | 33.3% | 65.0%-31.7pp | 73.9%-40.6pp | 69.5%-36.2pp |
| Annual return | 14.27% | 51.02%-36.7pp | 27.14%-12.9pp | 73.15%-58.9pp |
| Employer contribution / active EE | $522 | $1,442-63.8% | $2,603-79.9% | $2,343-77.7% |
| Participant deferral / active EE | $1,224 | $2,391-48.8% | $3,317-63.1% | $3,332-63.3% |
| Admin fee / account holder | $788 | $3,456-77.2% | $4,960-84.1% | $4,645-83.0% |