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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 | $38,244 | $106,864-64.2% | $147,318-74.0% | $82,637-53.7% |
| Participation rate | 36.4% | 75.5%-39.1pp | 82.1%-45.7pp | 68.1%-31.7pp |
| Annual return | 34.63% | 27.49%+7.1pp | 70.43%-35.8pp | 53.51%-18.9pp |
| Employer contribution / active EE | $1,044 | $3,417-69.5% | $4,593-77.3% | $2,552-59.1% |
| Participant deferral / active EE | $3,046 | $6,496-53.1% | $7,906-61.5% | $4,126-26.2% |
| Admin fee / account holder | $379 | $8,415-95.5% | $13,708-97.2% | $7,339-94.8% |