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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 | $41,038 | $56,894-27.9% | $84,753-51.6% | $62,881-34.7% |
| Participation rate | 22.5% | 68.5%-46.0pp | 76.6%-54.1pp | 69.3%-46.8pp |
| Annual return | 7.14% | 6.30%+0.8pp | 22.78%-15.6pp | 20.14%-13.0pp |
| Employer contribution / active EE | $1,390 | $2,400-42.1% | $3,574-61.1% | $2,281-39.1% |
| Participant deferral / active EE | $2,276 | $2,709-16.0% | $3,712-38.7% | $3,203-28.9% |
| Admin fee / account holder | $969 | $3,581-72.9% | $5,333-81.8% | $4,296-77.4% |