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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 | $39,401 | $78,015-49.5% | $178,505-77.9% | $80,959-51.3% |
| Participation rate | 40.2% | 65.7%-25.5pp | 77.1%-36.9pp | 67.7%-27.5pp |
| Annual return | 15.76% | 18.10%-2.3pp | 27.16%-11.4pp | 35.67%-19.9pp |
| Employer contribution / active EE | $1,752 | $2,281-23.2% | $3,955-55.7% | $2,757-36.4% |
| Participant deferral / active EE | $3,054 | $4,406-30.7% | $6,280-51.4% | $4,300-29.0% |
| Admin fee / account holder | $819 | $7,160-88.6% | $10,428-92.1% | $6,925-88.2% |