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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 | $36,475 | $86,050-57.6% | $189,758-80.8% | $94,015-61.2% |
| Participation rate | 63.3% | 68.9%-5.6pp | 79.8%-16.5pp | 70.8%-7.5pp |
| Annual return | 12.17% | 17.77%-5.6pp | 52.62%-40.4pp | 17.84%-5.7pp |
| Employer contribution / active EE | $1,054 | $2,819-62.6% | $4,767-77.9% | $2,790-62.2% |
| Participant deferral / active EE | $2,732 | $3,349-18.4% | $5,856-53.3% | $4,249-35.7% |
| Admin fee / account holder | $2,343 | $6,627-64.6% | $20,388-88.5% | $8,951-73.8% |