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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 | $31,982 | $71,197-55.1% | $93,669-65.9% | $80,925-60.5% |
| Participation rate | 34.0% | 60.4%-26.4pp | 68.7%-34.7pp | 67.7%-33.6pp |
| Annual return | 15.55% | 11.27%+4.3pp | 133.59%-118.0pp | 35.65%-20.1pp |
| Employer contribution / active EE | $1,480 | $1,565-5.4% | $2,424-38.9% | $2,756-46.3% |
| Participant deferral / active EE | $3,894 | $4,036-3.5% | $4,416-11.8% | $4,299-9.4% |
| Admin fee / account holder | $1,572 | $6,959-77.4% | $8,291-81.0% | $6,940-77.3% |