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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 | $35,064 | $83,485-58.0% | $125,180-72.0% | $72,983-52.0% |
| Participation rate | 53.5% | 73.3%-19.8pp | 79.8%-26.3pp | 69.5%-16.0pp |
| Annual return | 25.10% | 25.78%-0.7pp | 43.79%-18.7pp | 81.01%-55.9pp |
| Employer contribution / active EE | $1,292 | $2,346-44.9% | $3,866-66.6% | $2,440-47.1% |
| Participant deferral / active EE | $2,584 | $3,586-27.9% | $4,937-47.7% | $3,608-28.4% |
| Admin fee / account holder | $1,698 | $5,518-69.2% | $9,703-82.5% | $5,124-66.9% |