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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 | $33,525 | $93,064-64.0% | $74,577-55.0% | $273,972-87.8% |
| Participation rate | 46.7% | 74.9%-28.3pp | 68.1%-21.4pp | 83.0%-36.3pp |
| Annual return | 9.29% | 26.18%-16.9pp | 20.47%-11.2pp | 41.46%-32.2pp |
| Employer contribution / active EE | $1,530 | $3,160-51.6% | $2,525-39.4% | $4,869-68.6% |
| Participant deferral / active EE | $2,896 | $4,160-30.4% | $3,458-16.3% | $5,287-45.2% |
| Admin fee / account holder | $4,744 | $5,273-10.0% | $4,138+14.6% | $10,133-53.2% |