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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 | $35,146 | $101,795-65.5% | $165,100-78.7% | $80,959-56.6% |
| Participation rate | 58.7% | 71.8%-13.2pp | 78.6%-20.0pp | 67.7%-9.0pp |
| Annual return | 12.86% | 16.73%-3.9pp | 70.21%-57.4pp | 35.67%-22.8pp |
| Employer contribution / active EE | $1,648 | $2,954-44.2% | $4,348-62.1% | $2,757-40.2% |
| Participant deferral / active EE | $2,542 | $4,476-43.2% | $6,035-57.9% | $4,300-40.9% |
| Admin fee / account holder | $8,738 | $8,221+6.3% | $12,696-31.2% | $6,925+26.2% |