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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 | $33,962 | $95,453-64.4% | $112,040-69.7% | $82,448-58.8% |
| Participation rate | 60.9% | 72.8%-11.8pp | 76.5%-15.6pp | 68.1%-7.1pp |
| Annual return | 20.33% | 23.92%-3.6pp | 24.52%-4.2pp | 41.64%-21.3pp |
| Employer contribution / active EE | $1,617 | $2,318-30.2% | $2,954-45.3% | $2,551-36.6% |
| Participant deferral / active EE | $3,115 | $4,224-26.2% | $5,098-38.9% | $4,139-24.7% |
| Admin fee / account holder | $5,388 | $9,013-40.2% | $12,098-55.5% | $7,234-25.5% |