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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 | $37,326 | $56,894-34.4% | $84,753-56.0% | $62,881-40.6% |
| Participation rate | 60.0% | 68.5%-8.5pp | 76.6%-16.6pp | 69.3%-9.3pp |
| Annual return | 6.49% | 6.30%+0.2pp | 22.78%-16.3pp | 20.14%-13.7pp |
| Employer contribution / active EE | $477 | $2,400-80.1% | $3,574-86.7% | $2,281-79.1% |
| Participant deferral / active EE | $2,127 | $2,709-21.5% | $3,712-42.7% | $3,203-33.6% |
| Admin fee / account holder | $11,037 | $3,581+208.2% | $5,333+106.9% | $4,296+156.9% |