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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 | $37,385 | $56,894-34.3% | $84,753-55.9% | $62,881-40.5% |
| Participation rate | 41.6% | 68.5%-27.0pp | 76.6%-35.0pp | 69.3%-27.7pp |
| Annual return | 6.61% | 6.30%+0.3pp | 22.78%-16.2pp | 20.14%-13.5pp |
| Employer contribution / active EE | $1,325 | $2,400-44.8% | $3,574-62.9% | $2,281-41.9% |
| Participant deferral / active EE | $3,176 | $2,709+17.2% | $3,712-14.4% | $3,203-0.9% |
| Admin fee / account holder | $8,264 | $3,581+130.8% | $5,333+55.0% | $4,296+92.4% |