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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 | $56,739 | $86,330-34.3% | $121,871-53.4% | $94,015-39.6% |
| Participation rate | 31.9% | 66.7%-34.8pp | 73.2%-41.3pp | 70.8%-39.0pp |
| Annual return | 13.33% | 14.95%-1.6pp | 13.57%-0.2pp | 17.84%-4.5pp |
| Employer contribution / active EE | $928 | $2,292-59.5% | $2,731-66.0% | $2,790-66.8% |
| Participant deferral / active EE | $1,621 | $3,146-48.5% | $4,318-62.5% | $4,249-61.9% |
| Admin fee / account holder | $1,995 | $7,346-72.8% | $11,551-82.7% | $8,951-77.7% |