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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 | $32,091 | $80,731-60.2% | $103,378-69.0% | $74,400-56.9% |
| Participation rate | 43.7% | 65.7%-22.0pp | 74.5%-30.8pp | 67.2%-23.5pp |
| Annual return | 17.87% | 27.56%-9.7pp | 24.91%-7.0pp | 1367.51%-1349.6pp |
| Employer contribution / active EE | $2,158 | $3,159-31.7% | $3,870-44.2% | $2,624-17.8% |
| Participant deferral / active EE | $3,677 | $3,862-4.8% | $5,058-27.3% | $4,348-15.4% |
| Admin fee / account holder | $3,158 | $2,369+33.3% | $8,401-62.4% | $1,944+62.5% |