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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 | $38,377 | $81,358-52.8% | $155,556-75.3% | $80,959-52.6% |
| Participation rate | 43.3% | 66.3%-22.9pp | 78.2%-34.9pp | 67.7%-24.3pp |
| Annual return | 14.34% | 33.39%-19.0pp | 64.84%-50.5pp | 35.67%-21.3pp |
| Employer contribution / active EE | $1,682 | $3,106-45.8% | $4,675-64.0% | $2,757-39.0% |
| Participant deferral / active EE | $3,074 | $3,455-11.0% | $5,631-45.4% | $4,300-28.5% |
| Admin fee / account holder | $443 | $7,994-94.5% | $15,885-97.2% | $6,925-93.6% |