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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 | $43,632 | $67,602-35.5% | $82,312-47.0% | $70,126-37.8% |
| Participation rate | 36.0% | 72.8%-36.8pp | 76.9%-40.9pp | 69.5%-33.5pp |
| Annual return | 17.10% | 21.57%-4.5pp | 25.88%-8.8pp | 73.15%-56.0pp |
| Employer contribution / active EE | $1,078 | $1,755-38.6% | $2,428-55.6% | $2,343-54.0% |
| Participant deferral / active EE | $1,454 | $2,987-51.3% | $3,706-60.8% | $3,332-56.4% |
| Admin fee / account holder | $309 | $4,512-93.2% | $5,608-94.5% | $4,645-93.4% |