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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 | $70,216 | $112,729-37.7% | $98,716-28.9% | $137,256-48.8% |
| Participation rate | 38.5% | 74.2%-35.8pp | 69.3%-30.8pp | 80.0%-41.5pp |
| Annual return | 18.88% | 38.48%-19.6pp | 31.81%-12.9pp | 220.34%-201.5pp |
| Employer contribution / active EE | $1,532 | $2,725-43.8% | $2,279-32.8% | $4,156-63.1% |
| Participant deferral / active EE | $1,526 | $4,640-67.1% | $4,048-62.3% | $6,407-76.2% |
| Admin fee / account holder | $695 | $10,129-93.1% | $8,703-92.0% | $12,270-94.3% |