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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 | $40,988 | $81,487-49.7% | $102,412-60.0% | $80,935-49.4% |
| Participation rate | 52.4% | 66.8%-14.5pp | 74.5%-22.1pp | 67.7%-15.3pp |
| Annual return | 15.67% | 25.60%-9.9pp | 24.94%-9.3pp | 35.66%-20.0pp |
| Employer contribution / active EE | $1,736 | $3,103-44.0% | $3,870-55.1% | $2,757-37.0% |
| Participant deferral / active EE | $3,682 | $3,871-4.9% | $5,060-27.2% | $4,299-14.4% |
| Admin fee / account holder | $3,580 | $6,717-46.7% | $8,388-57.3% | $6,924-48.3% |