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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 | $38,158 | $63,949-40.3% | $129,031-70.4% | $94,015-59.4% |
| Participation rate | 35.4% | 63.4%-28.0pp | 73.4%-38.0pp | 70.8%-35.4pp |
| Annual return | 13.12% | 17.56%-4.4pp | 34.67%-21.5pp | 17.84%-4.7pp |
| Employer contribution / active EE | $778 | $1,865-58.3% | $3,226-75.9% | $2,790-72.1% |
| Participant deferral / active EE | $1,700 | $3,686-53.9% | $5,217-67.4% | $4,249-60.0% |
| Admin fee / account holder | $14,912 | $5,523+170.0% | $13,208+12.9% | $8,951+66.6% |