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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 | $38,559 | $35,183+9.6% | $73,545-47.6% | $70,124-45.0% |
| Participation rate | 36.7% | 42.9%-6.2pp | 54.9%-18.2pp | 69.5%-32.8pp |
| Annual return | 14.94% | 26.90%-12.0pp | -15.16%+30.1pp | 73.14%-58.2pp |
| Employer contribution / active EE | $178 | $709-74.9% | $1,219-85.4% | $2,342-92.4% |
| Participant deferral / active EE | $839 | $1,220-31.2% | $1,806-53.6% | $3,332-74.8% |
| Admin fee / account holder | $2,776 | $2,302+20.6% | $2,320+19.7% | $4,645-40.2% |