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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 | $31,789 | $54,297-41.5% | $97,032-67.2% | $65,306-51.3% |
| Participation rate | 36.1% | 42.3%-6.2pp | 71.6%-35.5pp | 57.7%-21.6pp |
| Annual return | 16.44% | 21.17%-4.7pp | 35.38%-18.9pp | 21.94%-5.5pp |
| Employer contribution / active EE | $1,185 | $1,365-13.2% | $2,629-54.9% | $1,967-39.8% |
| Participant deferral / active EE | $2,026 | $2,259-10.3% | $4,672-56.6% | $2,959-31.6% |
| Admin fee / account holder | $4,793 | $3,744+28.0% | $9,418-49.1% | $3,480+37.7% |