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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 | $34,678 | $81,487-57.4% | $102,412-66.1% | $80,935-57.2% |
| Participation rate | 35.3% | 66.8%-31.5pp | 74.5%-39.2pp | 67.7%-32.4pp |
| Annual return | 14.99% | 25.60%-10.6pp | 24.94%-9.9pp | 35.66%-20.7pp |
| Employer contribution / active EE | $1,799 | $3,103-42.0% | $3,870-53.5% | $2,757-34.8% |
| Participant deferral / active EE | $3,407 | $3,871-12.0% | $5,060-32.7% | $4,299-20.8% |
| Admin fee / account holder | $4,935 | $6,717-26.5% | $8,388-41.2% | $6,924-28.7% |