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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 | $77,164-48.9% | $178,014-77.9% | $80,874-51.3% |
| Participation rate | 40.2% | 65.7%-25.5pp | 77.1%-36.9pp | 67.6%-27.4pp |
| Annual return | 15.76% | 18.09%-2.3pp | 294.80%-279.0pp | 35.62%-19.9pp |
| Employer contribution / active EE | $1,752 | $2,288-23.4% | $3,950-55.6% | $2,756-36.4% |
| Participant deferral / active EE | $3,054 | $4,408-30.7% | $6,276-51.3% | $4,297-28.9% |
| Admin fee / account holder | $819 | $7,164-88.6% | $10,362-92.1% | $6,935-88.2% |