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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 | $28,917 | $77,962-62.9% | $178,540-83.8% | $80,935-64.3% |
| Participation rate | 36.5% | 65.7%-29.2pp | 77.1%-40.7pp | 67.7%-31.2pp |
| Annual return | 14.88% | 18.10%-3.2pp | 27.15%-12.3pp | 35.66%-20.8pp |
| Employer contribution / active EE | $1,873 | $2,280-17.9% | $3,953-52.6% | $2,757-32.1% |
| Participant deferral / active EE | $3,166 | $4,404-28.1% | $6,281-49.6% | $4,299-26.4% |
| Admin fee / account holder | $3,305 | $7,156-53.8% | $10,424-68.3% | $6,924-52.3% |