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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 | $29,236 | $81,331-64.1% | $155,534-81.2% | $80,935-63.9% |
| Participation rate | 35.5% | 66.3%-30.8pp | 78.2%-42.7pp | 67.7%-32.2pp |
| Annual return | 13.52% | 33.37%-19.8pp | 64.92%-51.4pp | 35.66%-22.1pp |
| Employer contribution / active EE | $1,457 | $3,105-53.1% | $4,675-68.8% | $2,757-47.2% |
| Participant deferral / active EE | $2,129 | $3,454-38.4% | $5,630-62.2% | $4,299-50.5% |
| Admin fee / account holder | $1,398 | $7,999-82.5% | $15,900-91.2% | $6,924-79.8% |