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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 | $87,037-18.9% | $106,201-33.6% | $80,874-12.8% |
| Participation rate | 36.5% | 70.4%-34.0pp | 75.3%-38.8pp | 67.6%-31.2pp |
| Annual return | 14.92% | 17.05%-2.1pp | 116.26%-101.3pp | 35.62%-20.7pp |
| Employer contribution / active EE | $1,279 | $2,396-46.6% | $3,170-59.6% | $2,756-53.6% |
| Participant deferral / active EE | $2,755 | $3,986-30.9% | $5,012-45.0% | $4,297-35.9% |
| Admin fee / account holder | $4,147 | $8,434-50.8% | $11,039-62.4% | $6,935-40.2% |