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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 | $39,338 | $81,262-51.6% | $155,602-74.7% | $80,911-51.4% |
| Participation rate | 34.6% | 66.2%-31.6pp | 78.2%-43.6pp | 67.6%-33.0pp |
| Annual return | 11.69% | 33.34%-21.7pp | 64.81%-53.1pp | 35.63%-23.9pp |
| Employer contribution / active EE | $825 | $3,102-73.4% | $4,675-82.4% | $2,756-70.1% |
| Participant deferral / active EE | $2,462 | $3,451-28.7% | $5,629-56.3% | $4,297-42.7% |
| Admin fee / account holder | $2,239 | $7,992-72.0% | $15,923-85.9% | $6,935-67.7% |