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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 | $54,888 | $74,535-26.4% | $100,712-45.5% | $82,637-33.6% |
| Participation rate | 35.2% | 61.2%-26.0pp | 69.3%-34.1pp | 68.1%-32.9pp |
| Annual return | 13.97% | 18.92%-5.0pp | 33.27%-19.3pp | 53.51%-39.5pp |
| Employer contribution / active EE | $1,140 | $1,503-24.2% | $2,313-50.7% | $2,552-55.3% |
| Participant deferral / active EE | $2,124 | $3,074-30.9% | $4,085-48.0% | $4,126-48.5% |
| Admin fee / account holder | $1,128 | $6,576-82.8% | $9,256-87.8% | $7,339-84.6% |