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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 | $26,749 | $57,140-53.2% | $85,240-68.6% | $80,959-67.0% |
| Participation rate | 45.1% | 56.4%-11.3pp | 67.5%-22.4pp | 67.7%-22.6pp |
| Annual return | 14.66% | 21.71%-7.1pp | 66.75%-52.1pp | 35.67%-21.0pp |
| Employer contribution / active EE | $1,545 | $1,802-14.3% | $2,735-43.5% | $2,757-44.0% |
| Participant deferral / active EE | $2,511 | $3,115-19.4% | $4,527-44.5% | $4,300-41.6% |
| Admin fee / account holder | $1,179 | $4,992-76.4% | $6,165-80.9% | $6,925-83.0% |