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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 | $33,507 | $76,834-56.4% | $108,359-69.1% | $87,485-61.7% |
| Participation rate | 58.0% | 61.7%-3.8pp | 70.1%-12.2pp | 68.9%-11.0pp |
| Annual return | 17.94% | 19.09%-1.2pp | 36.89%-19.0pp | 26.06%-8.1pp |
| Employer contribution / active EE | $1,039 | $1,556-33.2% | $2,399-56.7% | $2,596-60.0% |
| Participant deferral / active EE | $1,819 | $3,100-41.3% | $4,137-56.0% | $4,274-57.4% |
| Admin fee / account holder | $13,348 | $6,537+104.2% | $9,741+37.0% | $7,775+71.7% |