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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 | $36,898 | $81,504-54.7% | $102,437-64.0% | $80,959-54.4% |
| Participation rate | 30.8% | 66.9%-36.1pp | 74.5%-43.7pp | 67.7%-36.9pp |
| Annual return | 14.01% | 25.60%-11.6pp | 24.95%-10.9pp | 35.67%-21.7pp |
| Employer contribution / active EE | $2,114 | $3,104-31.9% | $3,871-45.4% | $2,757-23.3% |
| Participant deferral / active EE | $4,643 | $3,871+19.9% | $5,060-8.2% | $4,300+8.0% |
| Admin fee / account holder | $1,291 | $6,719-80.8% | $8,388-84.6% | $6,925-81.4% |