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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 | $36,208 | $72,137-49.8% | $142,460-74.6% | $71,495-49.4% |
| Participation rate | 49.6% | 71.7%-22.1pp | 76.8%-27.2pp | 67.9%-18.3pp |
| Annual return | 17.28% | 21.15%-3.9pp | 19.99%-2.7pp | 28.85%-11.6pp |
| Employer contribution / active EE | $1,279 | $3,793-66.3% | $4,847-73.6% | $2,589-50.6% |
| Participant deferral / active EE | $2,465 | $5,280-53.3% | $6,283-60.8% | $4,291-42.5% |
| Admin fee / account holder | $1,677 | $1,433+17.0% | $10,011-83.3% | $1,588+5.6% |