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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 | $27,341 | $81,457-66.4% | $103,378-73.6% | $80,911-66.2% |
| Participation rate | 48.5% | 66.8%-18.4pp | 74.5%-26.0pp | 67.6%-19.2pp |
| Annual return | 13.61% | 25.58%-12.0pp | 24.91%-11.3pp | 35.63%-22.0pp |
| Employer contribution / active EE | $1,258 | $3,107-59.5% | $3,870-67.5% | $2,756-54.3% |
| Participant deferral / active EE | $3,378 | $3,871-12.7% | $5,058-33.2% | $4,297-21.4% |
| Admin fee / account holder | $1,637 | $6,717-75.6% | $8,401-80.5% | $6,935-76.4% |