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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 | $36,300 | $77,492-53.2% | $100,398-63.8% | $80,911-55.1% |
| Participation rate | 37.7% | 76.9%-39.3pp | 81.5%-43.8pp | 67.6%-30.0pp |
| Annual return | 12.89% | 37.23%-24.3pp | 49.32%-36.4pp | 35.63%-22.7pp |
| Employer contribution / active EE | $1,375 | $2,800-50.9% | $3,946-65.1% | $2,756-50.1% |
| Participant deferral / active EE | $3,103 | $6,817-54.5% | $8,084-61.6% | $4,297-27.8% |
| Admin fee / account holder | $9,069 | $5,892+53.9% | $7,893+14.9% | $6,935+30.8% |