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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 | $37,429 | $96,052-61.0% | $118,106-68.3% | $87,485-57.2% |
| Participation rate | 50.0% | 77.0%-27.0pp | 81.9%-31.9pp | 68.9%-18.9pp |
| Annual return | 21.78% | 24.16%-2.4pp | 19.44%+2.3pp | 26.06%-4.3pp |
| Employer contribution / active EE | $1,476 | $3,939-62.5% | $4,698-68.6% | $2,596-43.1% |
| Participant deferral / active EE | $3,189 | $5,793-44.9% | $6,619-51.8% | $4,274-25.4% |
| Admin fee / account holder | $3,094 | $7,618-59.4% | $8,973-65.5% | $7,775-60.2% |