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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 | $38,801 | $81,487-52.4% | $102,412-62.1% | $80,935-52.1% |
| Participation rate | 30.6% | 66.8%-36.2pp | 74.5%-43.9pp | 67.7%-37.0pp |
| Annual return | 17.05% | 25.60%-8.5pp | 24.94%-7.9pp | 35.66%-18.6pp |
| Employer contribution / active EE | $1,268 | $3,103-59.1% | $3,870-67.2% | $2,757-54.0% |
| Participant deferral / active EE | $2,903 | $3,871-25.0% | $5,060-42.6% | $4,299-32.5% |
| Admin fee / account holder | $4,315 | $6,717-35.8% | $8,388-48.6% | $6,924-37.7% |