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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 | $33,388 | $37,446-10.8% | $77,552-56.9% | $79,856-58.2% |
| Participation rate | 38.5% | 41.5%-3.1pp | 54.2%-15.7pp | 69.6%-31.2pp |
| Annual return | 18.02% | 39.76%-21.7pp | 54.82%-36.8pp | 31.71%-13.7pp |
| Employer contribution / active EE | $676 | $637+6.1% | $987-31.5% | $2,471-72.6% |
| Participant deferral / active EE | $2,103 | $1,261+66.8% | $1,861+13.0% | $3,741-43.8% |
| Admin fee / account holder | $4,378 | $2,506+74.7% | $2,859+53.1% | $5,306-17.5% |