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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 | $44,746-29.0% | $88,179-63.9% | $64,097-50.4% |
| Participation rate | 36.1% | 39.8%-3.7pp | 69.1%-33.0pp | 55.2%-19.1pp |
| Annual return | 16.44% | 24.70%-8.3pp | 64.97%-48.5pp | 34.64%-18.2pp |
| Employer contribution / active EE | $1,185 | $1,078+10.0% | $2,549-53.5% | $1,891-37.4% |
| Participant deferral / active EE | $2,026 | $2,072-2.2% | $4,614-56.1% | $3,080-34.2% |
| Admin fee / account holder | $4,793 | $3,437+39.5% | $7,673-37.5% | $3,454+38.8% |