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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 | $61,440 | $72,027-14.7% | $185,835-66.9% | $79,852-23.1% |
| Participation rate | 55.1% | 65.8%-10.7pp | 78.0%-22.9pp | 69.6%-14.5pp |
| Annual return | 16.28% | 23.13%-6.8pp | 35.96%-19.7pp | 31.72%-15.4pp |
| Employer contribution / active EE | $502 | $1,965-74.5% | $4,087-87.7% | $2,471-79.7% |
| Participant deferral / active EE | $3,098 | $3,780-18.0% | $5,633-45.0% | $3,740-17.2% |
| Admin fee / account holder | $1,834 | $4,513-59.4% | $9,502-80.7% | $5,306-65.4% |