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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 | $37,722 | $96,052-60.7% | $118,106-68.1% | $87,485-56.9% |
| Participation rate | 51.2% | 77.0%-25.8pp | 81.9%-30.7pp | 68.9%-17.7pp |
| Annual return | 16.71% | 24.16%-7.4pp | 19.44%-2.7pp | 26.06%-9.4pp |
| Employer contribution / active EE | $1,117 | $3,939-71.6% | $4,698-76.2% | $2,596-57.0% |
| Participant deferral / active EE | $2,453 | $5,793-57.7% | $6,619-62.9% | $4,274-42.6% |
| Admin fee / account holder | $1,649 | $7,618-78.4% | $8,973-81.6% | $7,775-78.8% |