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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 | $51,799 | $73,787-29.8% | $98,716-47.5% | $82,448-37.2% |
| Participation rate | 57.9% | 61.4%-3.5pp | 69.3%-11.4pp | 68.1%-10.2pp |
| Annual return | 14.80% | 18.57%-3.8pp | 31.81%-17.0pp | 41.64%-26.8pp |
| Employer contribution / active EE | $510 | $1,511-66.2% | $2,279-77.6% | $2,551-80.0% |
| Participant deferral / active EE | $2,342 | $3,081-24.0% | $4,048-42.1% | $4,139-43.4% |
| Admin fee / account holder | $1,514 | $6,500-76.7% | $8,703-82.6% | $7,234-79.1% |