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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 | $38,684 | $36,140+7.0% | $73,658-47.5% | $64,340-39.9% |
| Participation rate | 17.7% | 31.0%-13.3pp | 57.0%-39.4pp | 55.2%-37.6pp |
| Annual return | 18.97% | 21.48%-2.5pp | 29.72%-10.8pp | 24.14%-5.2pp |
| Employer contribution / active EE | $382 | $443-13.8% | $1,032-63.0% | $1,862-79.5% |
| Participant deferral / active EE | $958 | $1,023-6.3% | $2,062-53.5% | $2,980-67.9% |
| Admin fee / account holder | $1,715 | $2,513-31.7% | $3,357-48.9% | $3,703-53.7% |