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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 | $39,606 | $181,896-78.2% | $156,551-74.7% | $273,972-85.5% |
| Participation rate | 40.0% | 88.4%-48.4pp | 84.0%-44.0pp | 83.0%-43.0pp |
| Annual return | 6.16% | 30.74%-24.6pp | 32.23%-26.1pp | 41.46%-35.3pp |
| Employer contribution / active EE | $1,637 | $6,248-73.8% | $5,501-70.3% | $4,869-66.4% |
| Participant deferral / active EE | $4,651 | $5,550-16.2% | $4,871-4.5% | $5,287-12.0% |
| Admin fee / account holder | $771 | $15,560-95.0% | $13,028-94.1% | $10,133-92.4% |