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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 | $57,102 | $75,541-24.4% | $152,093-62.5% | $82,637-30.9% |
| Participation rate | 42.9% | 66.5%-23.7pp | 77.8%-34.9pp | 68.1%-25.2pp |
| Annual return | 13.34% | 32.56%-19.2pp | 66.36%-53.0pp | 53.51%-40.2pp |
| Employer contribution / active EE | $1,132 | $2,622-56.8% | $4,175-72.9% | $2,552-55.7% |
| Participant deferral / active EE | $1,530 | $3,206-52.3% | $5,451-71.9% | $4,126-62.9% |
| Admin fee / account holder | $9,553 | $6,405+49.2% | $14,497-34.1% | $7,339+30.2% |