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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 | $81,446-52.1% | $103,374-62.2% | $80,874-51.7% |
| Participation rate | 28.8% | 66.9%-38.1pp | 74.5%-45.7pp | 67.6%-38.9pp |
| Annual return | 13.75% | 25.57%-11.8pp | 24.89%-11.1pp | 35.62%-21.9pp |
| Employer contribution / active EE | $1,148 | $3,107-63.1% | $3,869-70.3% | $2,756-58.3% |
| Participant deferral / active EE | $1,991 | $3,870-48.5% | $5,058-60.6% | $4,297-53.7% |
| Admin fee / account holder | $9,541 | $6,715+42.1% | $8,394+13.7% | $6,935+37.6% |