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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 | $37,537 | $100,194-62.5% | $122,979-69.5% | $86,983-56.8% |
| Participation rate | 44.8% | 73.0%-28.1pp | 77.2%-32.4pp | 69.5%-24.7pp |
| Annual return | 11.58% | 16.47%-4.9pp | 20.12%-8.5pp | 25.83%-14.2pp |
| Employer contribution / active EE | $1,302 | $2,326-44.0% | $3,062-57.5% | $2,584-49.6% |
| Participant deferral / active EE | $2,805 | $4,133-32.1% | $5,003-43.9% | $4,194-33.1% |
| Admin fee / account holder | $12,688 | $10,148+25.0% | $12,864-1.4% | $7,856+61.5% |