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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 | $79,894-30.5% | $135,792-59.1% | $82,637-32.8% |
| Participation rate | 29.6% | 63.0%-33.4pp | 72.6%-43.0pp | 68.1%-38.4pp |
| Annual return | 12.56% | 17.20%-4.6pp | 25.96%-13.4pp | 53.51%-40.9pp |
| Employer contribution / active EE | $822 | $2,165-62.0% | $3,496-76.5% | $2,552-67.8% |
| Participant deferral / active EE | $1,285 | $3,194-59.8% | $4,759-73.0% | $4,126-68.8% |
| Admin fee / account holder | $2,016 | $6,434-68.7% | $12,266-83.6% | $7,339-72.5% |