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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 | $28,688 | $56,544-49.3% | $75,501-62.0% | $70,126-59.1% |
| Participation rate | 47.3% | 68.1%-20.8pp | 72.4%-25.1pp | 69.5%-22.2pp |
| Annual return | 17.37% | 23.59%-6.2pp | 27.35%-10.0pp | 73.15%-55.8pp |
| Employer contribution / active EE | $440 | $1,817-75.8% | $2,352-81.3% | $2,343-81.2% |
| Participant deferral / active EE | $3,423 | $2,580+32.7% | $3,142+8.9% | $3,332+2.7% |
| Admin fee / account holder | $7,833 | $3,827+104.7% | $5,801+35.0% | $4,645+68.6% |