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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 | $72,231 | $97,550-26.0% | $120,344-40.0% | $87,485-17.4% |
| Participation rate | 44.4% | 72.8%-28.4pp | 76.7%-32.3pp | 68.9%-24.5pp |
| Annual return | 15.71% | 18.41%-2.7pp | 20.30%-4.6pp | 26.06%-10.4pp |
| Employer contribution / active EE | $1,030 | $2,291-55.1% | $3,020-65.9% | $2,596-60.3% |
| Participant deferral / active EE | $3,309 | $4,230-21.8% | $5,135-35.6% | $4,274-22.6% |
| Admin fee / account holder | $1,086 | $9,543-88.6% | $12,742-91.5% | $7,775-86.0% |