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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 | $39,186 | $58,627-33.2% | $76,735-48.9% | $82,448-52.5% |
| Participation rate | 42.2% | 63.2%-21.0pp | 69.5%-27.3pp | 68.1%-25.8pp |
| Annual return | 14.71% | 39.10%-24.4pp | 29.77%-15.1pp | 41.64%-26.9pp |
| Employer contribution / active EE | $1,188 | $1,729-31.3% | $2,454-51.6% | $2,551-53.4% |
| Participant deferral / active EE | $1,721 | $3,134-45.1% | $4,088-57.9% | $4,139-58.4% |
| Admin fee / account holder | $2,406 | $5,323-54.8% | $7,189-66.5% | $7,234-66.7% |