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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 | $36,613 | $105,623-65.3% | $87,502-58.2% | $273,972-86.6% |
| Participation rate | 26.7% | 78.2%-51.5pp | 73.8%-47.2pp | 83.0%-56.3pp |
| Annual return | 6.37% | 12.26%-5.9pp | 12.21%-5.8pp | 41.46%-35.1pp |
| Employer contribution / active EE | $715 | $3,141-77.2% | $2,550-71.9% | $4,869-85.3% |
| Participant deferral / active EE | $1,507 | $3,601-58.2% | $3,149-52.2% | $5,287-71.5% |
| Admin fee / account holder | $3,667 | $4,781-23.3% | $4,221-13.1% | $10,133-63.8% |