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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 | $36,666 | $78,027-53.0% | $178,528-79.5% | $80,925-54.7% |
| Participation rate | 58.1% | 65.7%-7.6pp | 77.1%-19.0pp | 67.7%-9.6pp |
| Annual return | 23.61% | 18.09%+5.5pp | 27.11%-3.5pp | 35.65%-12.0pp |
| Employer contribution / active EE | $1,851 | $2,281-18.9% | $3,950-53.1% | $2,756-32.8% |
| Participant deferral / active EE | $3,238 | $4,408-26.5% | $6,278-48.4% | $4,299-24.7% |
| Admin fee / account holder | $1,507 | $7,168-79.0% | $10,419-85.5% | $6,940-78.3% |