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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 | $37,406 | $110,137-66.0% | $161,149-76.8% | $82,637-54.7% |
| Participation rate | 61.2% | 72.4%-11.1pp | 78.8%-17.6pp | 68.1%-6.8pp |
| Annual return | 13.90% | 20.69%-6.8pp | 21.16%-7.3pp | 53.51%-39.6pp |
| Employer contribution / active EE | $966 | $2,856-66.2% | $4,360-77.8% | $2,552-62.1% |
| Participant deferral / active EE | $2,774 | $4,575-39.3% | $6,153-54.9% | $4,126-32.8% |
| Admin fee / account holder | $12,204 | $9,467+28.9% | $15,194-19.7% | $7,339+66.3% |