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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 | $86,938-56.6% | $102,423-63.1% | $80,925-53.4% |
| Participation rate | 61.4% | 72.4%-10.9pp | 76.5%-15.1pp | 67.7%-6.2pp |
| Annual return | 12.57% | 18.89%-6.3pp | 29.42%-16.9pp | 35.65%-23.1pp |
| Employer contribution / active EE | $1,888 | $2,369-20.3% | $3,023-37.5% | $2,756-31.5% |
| Participant deferral / active EE | $3,396 | $4,120-17.6% | $5,054-32.8% | $4,299-21.0% |
| Admin fee / account holder | $10,236 | $8,053+27.1% | $9,455+8.3% | $6,940+47.5% |