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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 | $20,543 | $43,075-52.3% | $74,577-72.5% | $62,881-67.3% |
| Participation rate | 41.9% | 58.1%-16.1pp | 68.1%-26.2pp | 69.3%-27.4pp |
| Annual return | 8.52% | 17.50%-9.0pp | 20.47%-11.9pp | 20.14%-11.6pp |
| Employer contribution / active EE | $1,032 | $1,498-31.1% | $2,525-59.1% | $2,281-54.8% |
| Participant deferral / active EE | $3,124 | $2,389+30.8% | $3,458-9.7% | $3,203-2.5% |
| Admin fee / account holder | $842 | $2,840-70.4% | $4,138-79.7% | $4,296-80.4% |