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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 | $37,751 | $86,949-56.6% | $102,460-63.2% | $80,959-53.4% |
| Participation rate | 61.4% | 72.4%-10.9pp | 76.5%-15.1pp | 67.7%-6.2pp |
| Annual return | 12.57% | 18.89%-6.3pp | 29.47%-16.9pp | 35.67%-23.1pp |
| Employer contribution / active EE | $1,888 | $2,370-20.3% | $3,025-37.6% | $2,757-31.5% |
| Participant deferral / active EE | $3,396 | $4,121-17.6% | $5,056-32.8% | $4,300-21.0% |
| Admin fee / account holder | $10,236 | $8,048+27.2% | $9,460+8.2% | $6,925+47.8% |