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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 | $19,535 | $65,364-70.1% | $92,909-79.0% | $72,975-73.2% |
| Participation rate | 47.4% | 68.3%-20.9pp | 76.0%-28.6pp | 69.5%-22.1pp |
| Annual return | 27.79% | 42.11%-14.3pp | 109.44%-81.6pp | 81.01%-53.2pp |
| Employer contribution / active EE | $1,532 | $2,594-40.9% | $3,653-58.1% | $2,440-37.2% |
| Participant deferral / active EE | $2,837 | $3,128-9.3% | $4,238-33.1% | $3,608-21.4% |
| Admin fee / account holder | $5,854 | $4,251+37.7% | $5,795+1.0% | $5,124+14.3% |