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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 | $38,598 | $76,407-49.5% | $150,298-74.3% | $82,448-53.2% |
| Participation rate | 43.8% | 66.4%-22.6pp | 77.8%-34.0pp | 68.1%-24.3pp |
| Annual return | 17.40% | 39.99%-22.6pp | 62.79%-45.4pp | 41.64%-24.2pp |
| Employer contribution / active EE | $996 | $2,614-61.9% | $4,154-76.0% | $2,551-61.0% |
| Participant deferral / active EE | $1,681 | $3,214-47.7% | $5,453-69.2% | $4,139-59.4% |
| Admin fee / account holder | $1,869 | $6,352-70.6% | $14,116-86.8% | $7,234-74.2% |