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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 | $58,196 | $76,834-24.3% | $108,359-46.3% | $87,485-33.5% |
| Participation rate | 24.0% | 61.7%-37.7pp | 70.1%-46.1pp | 68.9%-44.9pp |
| Annual return | 18.05% | 19.09%-1.0pp | 36.89%-18.8pp | 26.06%-8.0pp |
| Employer contribution / active EE | $835 | $1,556-46.3% | $2,399-65.2% | $2,596-67.8% |
| Participant deferral / active EE | $3,588 | $3,100+15.7% | $4,137-13.3% | $4,274-16.0% |
| Admin fee / account holder | $4,091 | $6,537-37.4% | $9,741-58.0% | $7,775-47.4% |