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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 | $38,342 | $63,082-39.2% | $81,726-53.1% | $79,856-52.0% |
| Participation rate | 60.9% | 67.5%-6.7pp | 72.0%-11.1pp | 69.6%-8.8pp |
| Annual return | 18.39% | 22.66%-4.3pp | 29.49%-11.1pp | 31.71%-13.3pp |
| Employer contribution / active EE | $1,800 | $1,795+0.3% | $4,311-58.2% | $2,471-27.2% |
| Participant deferral / active EE | $3,145 | $2,780+13.1% | $7,108-55.8% | $3,741-15.9% |
| Admin fee / account holder | $303 | $4,428-93.2% | $5,160-94.1% | $5,306-94.3% |