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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 | $39,866 | $70,486-43.4% | $100,535-60.3% | $79,856-50.1% |
| Participation rate | 58.3% | 73.6%-15.3pp | 79.4%-21.1pp | 69.6%-11.3pp |
| Annual return | 18.25% | 21.90%-3.7pp | 30.90%-12.7pp | 31.71%-13.5pp |
| Employer contribution / active EE | $1,771 | $2,165-18.2% | $3,419-48.2% | $2,471-28.3% |
| Participant deferral / active EE | $2,688 | $5,182-48.1% | $6,271-57.1% | $3,741-28.2% |
| Admin fee / account holder | $1,801 | $4,480-59.8% | $8,085-77.7% | $5,306-66.1% |