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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 | $31,916 | $72,273-55.8% | $101,275-68.5% | $79,856-60.0% |
| Participation rate | 51.8% | 68.5%-16.7pp | 75.8%-24.0pp | 69.6%-17.9pp |
| Annual return | 17.64% | 22.30%-4.7pp | 46.48%-28.8pp | 31.71%-14.1pp |
| Employer contribution / active EE | $1,324 | $2,691-50.8% | $3,660-63.8% | $2,471-46.4% |
| Participant deferral / active EE | $2,520 | $3,282-23.2% | $4,371-42.3% | $3,741-32.6% |
| Admin fee / account holder | $3,904 | $4,401-11.3% | $5,948-34.4% | $5,306-26.4% |