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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 | $37,711 | $57,073-33.9% | $85,126-55.7% | $80,925-53.4% |
| Participation rate | 46.9% | 56.4%-9.5pp | 67.5%-20.6pp | 67.7%-20.7pp |
| Annual return | 14.57% | 21.69%-7.1pp | 66.63%-52.1pp | 35.65%-21.1pp |
| Employer contribution / active EE | $2,205 | $1,801+22.5% | $2,731-19.3% | $2,756-20.0% |
| Participant deferral / active EE | $4,547 | $3,113+46.1% | $4,523+0.5% | $4,299+5.8% |
| Admin fee / account holder | $7,874 | $4,988+57.9% | $6,160+27.8% | $6,940+13.5% |