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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 | $33,060 | $37,446-11.7% | $77,513-57.3% | $79,852-58.6% |
| Participation rate | 16.0% | 41.5%-25.5pp | 54.2%-38.2pp | 69.6%-53.6pp |
| Annual return | 19.09% | 39.76%-20.7pp | 54.81%-35.7pp | 31.72%-12.6pp |
| Employer contribution / active EE | $136 | $637-78.6% | $987-86.2% | $2,471-94.5% |
| Participant deferral / active EE | $1,400 | $1,261+11.0% | $1,861-24.8% | $3,740-62.6% |
| Admin fee / account holder | $862 | $2,506-65.6% | $2,859-69.9% | $5,306-83.8% |