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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 | $34,696 | $76,407-54.6% | $150,298-76.9% | $82,448-57.9% |
| Participation rate | 31.5% | 66.4%-34.9pp | 77.8%-46.3pp | 68.1%-36.6pp |
| Annual return | 23.75% | 39.99%-16.2pp | 62.79%-39.0pp | 41.64%-17.9pp |
| Employer contribution / active EE | $1,361 | $2,614-47.9% | $4,154-67.2% | $2,551-46.6% |
| Participant deferral / active EE | $3,087 | $3,214-4.0% | $5,453-43.4% | $4,139-25.4% |
| Admin fee / account holder | $734 | $6,352-88.5% | $14,116-94.8% | $7,234-89.9% |