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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 | $30,415 | $64,920-53.1% | $103,693-70.7% | $86,983-65.0% |
| Participation rate | 44.8% | 63.6%-18.8pp | 72.6%-27.8pp | 69.5%-24.7pp |
| Annual return | 21.23% | 30.29%-9.1pp | 47.61%-26.4pp | 25.83%-4.6pp |
| Employer contribution / active EE | $1,854 | $2,141-13.4% | $2,920-36.5% | $2,584-28.3% |
| Participant deferral / active EE | $3,261 | $3,241+0.6% | $4,579-28.8% | $4,194-22.3% |
| Admin fee / account holder | $430 | $6,191-93.1% | $7,858-94.5% | $7,856-94.5% |