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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 | $58,848-21.6% | $88,179-47.7% | $82,637-44.2% |
| Participation rate | 20.3% | 57.9%-37.6pp | 69.1%-48.8pp | 68.1%-47.7pp |
| Annual return | 17.94% | 22.76%-4.8pp | 64.97%-47.0pp | 53.51%-35.6pp |
| Employer contribution / active EE | $821 | $1,678-51.1% | $2,549-67.8% | $2,552-67.8% |
| Participant deferral / active EE | $1,945 | $3,124-37.7% | $4,614-57.8% | $4,126-52.9% |
| Admin fee / account holder | $4,068 | $4,795-15.2% | $7,673-47.0% | $7,339-44.6% |