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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 | $37,201 | $81,233-54.2% | $155,567-76.1% | $80,874-54.0% |
| Participation rate | 43.5% | 66.2%-22.8pp | 78.2%-34.7pp | 67.6%-24.2pp |
| Annual return | 10.67% | 33.33%-22.7pp | 64.74%-54.1pp | 35.62%-24.9pp |
| Employer contribution / active EE | $743 | $3,101-76.0% | $4,674-84.1% | $2,756-73.0% |
| Participant deferral / active EE | $1,285 | $3,452-62.8% | $5,628-77.2% | $4,297-70.1% |
| Admin fee / account holder | $7,040 | $7,998-12.0% | $15,916-55.8% | $6,935+1.5% |