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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 | $39,934 | $101,795-60.8% | $165,100-75.8% | $80,959-50.7% |
| Participation rate | 60.3% | 71.8%-11.5pp | 78.6%-18.3pp | 67.7%-7.3pp |
| Annual return | 11.32% | 16.73%-5.4pp | 70.21%-58.9pp | 35.67%-24.4pp |
| Employer contribution / active EE | $1,039 | $2,954-64.8% | $4,348-76.1% | $2,757-62.3% |
| Participant deferral / active EE | $2,235 | $4,476-50.1% | $6,035-63.0% | $4,300-48.0% |
| Admin fee / account holder | $2,698 | $8,221-67.2% | $12,696-78.8% | $6,925-61.0% |