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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 | $29,360 | $81,487-64.0% | $102,412-71.3% | $80,935-63.7% |
| Participation rate | 46.5% | 66.8%-20.3pp | 74.5%-28.0pp | 67.7%-21.1pp |
| Annual return | 13.86% | 25.60%-11.7pp | 24.94%-11.1pp | 35.66%-21.8pp |
| Employer contribution / active EE | $1,305 | $3,103-58.0% | $3,870-66.3% | $2,757-52.7% |
| Participant deferral / active EE | $1,775 | $3,871-54.1% | $5,060-64.9% | $4,299-58.7% |
| Admin fee / account holder | $1,606 | $6,717-76.1% | $8,388-80.9% | $6,924-76.8% |