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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 | $75,541-48.9% | $152,093-74.6% | $82,637-53.3% |
| Participation rate | 43.8% | 66.5%-22.8pp | 77.8%-34.0pp | 68.1%-24.3pp |
| Annual return | 17.40% | 32.56%-15.2pp | 66.36%-49.0pp | 53.51%-36.1pp |
| Employer contribution / active EE | $996 | $2,622-62.0% | $4,175-76.1% | $2,552-61.0% |
| Participant deferral / active EE | $1,681 | $3,206-47.6% | $5,451-69.2% | $4,126-59.3% |
| Admin fee / account holder | $1,869 | $6,405-70.8% | $14,497-87.1% | $7,339-74.5% |