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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 | $37,055 | $101,795-63.6% | $165,100-77.6% | $80,959-54.2% |
| Participation rate | 56.6% | 71.8%-15.2pp | 78.6%-22.0pp | 67.7%-11.1pp |
| Annual return | 11.85% | 16.73%-4.9pp | 70.21%-58.4pp | 35.67%-23.8pp |
| Employer contribution / active EE | $918 | $2,954-68.9% | $4,348-78.9% | $2,757-66.7% |
| Participant deferral / active EE | $2,014 | $4,476-55.0% | $6,035-66.6% | $4,300-53.2% |
| Admin fee / account holder | $9,882 | $8,221+20.2% | $12,696-22.2% | $6,925+42.7% |