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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 | $35,224 | $101,795-65.4% | $165,100-78.7% | $80,959-56.5% |
| Participation rate | 64.0% | 71.8%-7.8pp | 78.6%-14.6pp | 67.7%-3.7pp |
| Annual return | 14.01% | 16.73%-2.7pp | 70.21%-56.2pp | 35.67%-21.7pp |
| Employer contribution / active EE | $1,569 | $2,954-46.9% | $4,348-63.9% | $2,757-43.1% |
| Participant deferral / active EE | $2,656 | $4,476-40.7% | $6,035-56.0% | $4,300-38.2% |
| Admin fee / account holder | $3,637 | $8,221-55.8% | $12,696-71.4% | $6,925-47.5% |