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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 | $46,113 | $58,057-20.6% | $97,032-52.5% | $86,983-47.0% |
| Participation rate | 20.3% | 60.4%-40.0pp | 71.6%-51.2pp | 69.5%-49.2pp |
| Annual return | 17.94% | 22.26%-4.3pp | 35.38%-17.4pp | 25.83%-7.9pp |
| Employer contribution / active EE | $821 | $1,663-50.6% | $2,629-68.8% | $2,584-68.2% |
| Participant deferral / active EE | $1,945 | $3,244-40.0% | $4,672-58.4% | $4,194-53.6% |
| Admin fee / account holder | $4,068 | $4,839-15.9% | $9,418-56.8% | $7,856-48.2% |