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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 | $70,562 | $87,106-19.0% | $105,607-33.2% | $80,935-12.8% |
| Participation rate | 36.5% | 70.4%-34.0pp | 75.3%-38.8pp | 67.7%-31.2pp |
| Annual return | 14.92% | 17.01%-2.1pp | 116.11%-101.2pp | 35.66%-20.7pp |
| Employer contribution / active EE | $1,279 | $2,396-46.6% | $3,167-59.6% | $2,757-53.6% |
| Participant deferral / active EE | $2,755 | $3,986-30.9% | $5,011-45.0% | $4,299-35.9% |
| Admin fee / account holder | $4,147 | $8,447-50.9% | $10,958-62.2% | $6,924-40.1% |