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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 | $31,968 | $72,269-55.8% | $101,271-68.4% | $79,852-60.0% |
| Participation rate | 41.2% | 68.5%-27.3pp | 75.8%-34.6pp | 69.6%-28.5pp |
| Annual return | 17.18% | 22.29%-5.1pp | 46.48%-29.3pp | 31.72%-14.5pp |
| Employer contribution / active EE | $1,480 | $2,692-45.0% | $3,660-59.6% | $2,471-40.1% |
| Participant deferral / active EE | $2,824 | $3,282-13.9% | $4,371-35.4% | $3,740-24.5% |
| Admin fee / account holder | $11,735 | $4,401+166.6% | $5,948+97.3% | $5,306+121.2% |