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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 | $38,138 | $135,956-71.9% | $123,894-69.2% | $273,972-86.1% |
| Participation rate | 45.5% | 84.1%-38.6pp | 81.4%-36.0pp | 83.0%-37.6pp |
| Annual return | 6.57% | 56.63%-50.1pp | 47.52%-40.9pp | 41.46%-34.9pp |
| Employer contribution / active EE | $2,224 | $5,170-57.0% | $4,617-51.8% | $4,869-54.3% |
| Participant deferral / active EE | $4,206 | $6,343-33.7% | $5,984-29.7% | $5,287-20.4% |
| Admin fee / account holder | $14,534 | $9,817+48.0% | $8,357+73.9% | $10,133+43.4% |