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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 | $42,352 | $37,156+14.0% | $83,854-49.5% | $86,983-51.3% |
| Participation rate | 14.6% | 49.1%-34.4pp | 59.1%-44.5pp | 69.5%-54.9pp |
| Annual return | 21.01% | 29.88%-8.9pp | 31.39%-10.4pp | 25.83%-4.8pp |
| Employer contribution / active EE | $288 | $661-56.3% | $1,017-71.6% | $2,584-88.8% |
| Participant deferral / active EE | $1,361 | $1,418-4.0% | $2,035-33.1% | $4,194-67.5% |
| Admin fee / account holder | $1,884 | $2,510-24.9% | $3,197-41.1% | $7,856-76.0% |