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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 | $69,058 | $77,358-10.7% | $102,184-32.4% | $87,485-21.1% |
| Participation rate | 35.7% | 78.7%-43.0pp | 82.6%-46.9pp | 68.9%-33.2pp |
| Annual return | 23.37% | 41.11%-17.7pp | 31.58%-8.2pp | 26.06%-2.7pp |
| Employer contribution / active EE | $544 | $2,562-78.7% | $3,594-84.9% | $2,596-79.0% |
| Participant deferral / active EE | $4,938 | $6,753-26.9% | $8,309-40.6% | $4,274+15.5% |
| Admin fee / account holder | $6,118 | $6,809-10.1% | $11,609-47.3% | $7,775-21.3% |