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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 | $55,511 | $77,896-28.7% | $134,172-58.6% | $82,448-32.7% |
| Participation rate | 29.6% | 62.8%-33.2pp | 72.5%-42.8pp | 68.1%-38.4pp |
| Annual return | 12.56% | 18.21%-5.7pp | 25.30%-12.7pp | 41.64%-29.1pp |
| Employer contribution / active EE | $822 | $2,159-61.9% | $3,420-76.0% | $2,551-67.8% |
| Participant deferral / active EE | $1,285 | $3,162-59.3% | $4,690-72.6% | $4,139-68.9% |
| Admin fee / account holder | $2,016 | $6,336-68.2% | $12,016-83.2% | $7,234-72.1% |