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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 | $56,274 | $72,607-22.5% | $90,259-37.7% | $87,485-35.7% |
| Participation rate | 30.9% | 64.8%-34.0pp | 70.7%-39.9pp | 68.9%-38.1pp |
| Annual return | 16.61% | 18.59%-2.0pp | 18.88%-2.3pp | 26.06%-9.4pp |
| Employer contribution / active EE | $1,039 | $1,919-45.9% | $2,291-54.7% | $2,596-60.0% |
| Participant deferral / active EE | $2,420 | $3,055-20.8% | $3,827-36.8% | $4,274-43.4% |
| Admin fee / account holder | $14,559 | $5,947+144.8% | $7,267+100.3% | $7,775+87.3% |