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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 | $54,090 | $71,197-24.0% | $93,669-42.3% | $80,925-33.2% |
| Participation rate | 32.1% | 60.4%-28.3pp | 68.7%-36.6pp | 67.7%-35.6pp |
| Annual return | 13.42% | 11.27%+2.2pp | 133.59%-120.2pp | 35.65%-22.2pp |
| Employer contribution / active EE | $501 | $1,565-68.0% | $2,424-79.3% | $2,756-81.8% |
| Participant deferral / active EE | $1,675 | $4,036-58.5% | $4,416-62.1% | $4,299-61.0% |
| Admin fee / account holder | $706 | $6,959-89.9% | $8,291-91.5% | $6,940-89.8% |