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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 | $32,034 | $79,557-59.7% | $118,746-73.0% | $70,124-54.3% |
| Participation rate | 48.3% | 71.4%-23.1pp | 78.3%-30.0pp | 69.5%-21.3pp |
| Annual return | 17.36% | 25.64%-8.3pp | 24.54%-7.2pp | 73.14%-55.8pp |
| Employer contribution / active EE | $2,118 | $2,861-26.0% | $4,193-49.5% | $2,342-9.6% |
| Participant deferral / active EE | $2,931 | $4,089-28.3% | $5,332-45.0% | $3,332-12.0% |
| Admin fee / account holder | $794 | $5,374-85.2% | $10,720-92.6% | $4,645-82.9% |