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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 | $64,548 | $83,898-23.1% | $133,346-51.6% | $94,015-31.3% |
| Participation rate | 45.3% | 63.4%-18.0pp | 72.8%-27.5pp | 70.8%-25.5pp |
| Annual return | 12.15% | 16.00%-3.9pp | 36.85%-24.7pp | 17.84%-5.7pp |
| Employer contribution / active EE | $396 | $1,821-78.2% | $2,853-86.1% | $2,790-85.8% |
| Participant deferral / active EE | $1,675 | $3,245-48.4% | $4,332-61.3% | $4,249-60.6% |
| Admin fee / account holder | $991 | $7,809-87.3% | $14,264-93.0% | $8,951-88.9% |