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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 | $35,212 | $95,453-63.1% | $112,040-68.6% | $82,448-57.3% |
| Participation rate | 40.3% | 72.8%-32.5pp | 76.5%-36.2pp | 68.1%-27.8pp |
| Annual return | 14.97% | 23.92%-9.0pp | 24.52%-9.6pp | 41.64%-26.7pp |
| Employer contribution / active EE | $1,610 | $2,318-30.5% | $2,954-45.5% | $2,551-36.9% |
| Participant deferral / active EE | $4,178 | $4,224-1.1% | $5,098-18.0% | $4,139+0.9% |
| Admin fee / account holder | $3,354 | $9,013-62.8% | $12,098-72.3% | $7,234-53.6% |