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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 | $36,251 | $54,541-33.5% | $78,778-54.0% | $70,126-48.3% |
| Participation rate | 35.1% | 60.8%-25.7pp | 69.2%-34.1pp | 69.5%-34.4pp |
| Annual return | 14.16% | 21.07%-6.9pp | 35.62%-21.5pp | 73.15%-59.0pp |
| Employer contribution / active EE | $847 | $1,089-22.2% | $1,986-57.4% | $2,343-63.9% |
| Participant deferral / active EE | $1,261 | $2,210-42.9% | $2,958-57.4% | $3,332-62.1% |
| Admin fee / account holder | $777 | $3,709-79.0% | $5,134-84.9% | $4,645-83.3% |