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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 | $41,166 | $57,828-28.8% | $117,039-64.8% | $70,126-41.3% |
| Participation rate | 43.7% | 67.1%-23.5pp | 77.2%-33.5pp | 69.5%-25.9pp |
| Annual return | 13.75% | 17.55%-3.8pp | 18.95%-5.2pp | 73.15%-59.4pp |
| Employer contribution / active EE | $1,215 | $1,816-33.1% | $3,785-67.9% | $2,343-48.1% |
| Participant deferral / active EE | $2,034 | $2,438-16.6% | $3,929-48.2% | $3,332-39.0% |
| Admin fee / account holder | $6,379 | $3,548+79.8% | $5,974+6.8% | $4,645+37.3% |