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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 | $39,030 | $81,504-52.1% | $102,437-61.9% | $80,959-51.8% |
| Participation rate | 28.8% | 66.9%-38.1pp | 74.5%-45.7pp | 67.7%-38.9pp |
| Annual return | 13.75% | 25.60%-11.8pp | 24.95%-11.2pp | 35.67%-21.9pp |
| Employer contribution / active EE | $1,148 | $3,104-63.0% | $3,871-70.3% | $2,757-58.4% |
| Participant deferral / active EE | $1,991 | $3,871-48.6% | $5,060-60.6% | $4,300-53.7% |
| Admin fee / account holder | $9,541 | $6,719+42.0% | $8,388+13.7% | $6,925+37.8% |