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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 | $37,860 | $81,358-53.5% | $155,556-75.7% | $80,959-53.2% |
| Participation rate | 45.2% | 66.3%-21.1pp | 78.2%-33.1pp | 67.7%-22.5pp |
| Annual return | 10.81% | 33.39%-22.6pp | 64.84%-54.0pp | 35.67%-24.9pp |
| Employer contribution / active EE | $1,483 | $3,106-52.2% | $4,675-68.3% | $2,757-46.2% |
| Participant deferral / active EE | $1,792 | $3,455-48.1% | $5,631-68.2% | $4,300-58.3% |
| Admin fee / account holder | $515 | $7,994-93.6% | $15,885-96.8% | $6,925-92.6% |