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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 | $76,834-16.0% | $108,359-40.4% | $87,485-26.2% |
| Participation rate | 45.3% | 61.7%-16.4pp | 70.1%-24.8pp | 68.9%-23.6pp |
| Annual return | 12.15% | 19.09%-6.9pp | 36.89%-24.7pp | 26.06%-13.9pp |
| Employer contribution / active EE | $396 | $1,556-74.5% | $2,399-83.5% | $2,596-84.7% |
| Participant deferral / active EE | $1,675 | $3,100-46.0% | $4,137-59.5% | $4,274-60.8% |
| Admin fee / account holder | $991 | $6,537-84.8% | $9,741-89.8% | $7,775-87.2% |