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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 | $41,512 | $37,156+11.7% | $83,854-50.5% | $86,983-52.3% |
| Participation rate | 20.0% | 49.1%-29.1pp | 59.1%-39.1pp | 69.5%-49.5pp |
| Annual return | 21.28% | 29.88%-8.6pp | 31.39%-10.1pp | 25.83%-4.5pp |
| Employer contribution / active EE | $361 | $661-45.4% | $1,017-64.6% | $2,584-86.1% |
| Participant deferral / active EE | $1,220 | $1,418-14.0% | $2,035-40.1% | $4,194-70.9% |
| Admin fee / account holder | $2,005 | $2,510-20.1% | $3,197-37.3% | $7,856-74.5% |