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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 | $36,599 | $55,902-34.5% | $76,030-51.9% | $80,959-54.8% |
| Participation rate | 33.3% | 62.1%-28.7pp | 69.1%-35.7pp | 67.7%-34.3pp |
| Annual return | 14.56% | 20.59%-6.0pp | 361.54%-347.0pp | 35.67%-21.1pp |
| Employer contribution / active EE | $1,173 | $1,867-37.2% | $2,688-56.4% | $2,757-57.5% |
| Participant deferral / active EE | $3,478 | $3,051+14.0% | $4,257-18.3% | $4,300-19.1% |
| Admin fee / account holder | $5,592 | $5,239+6.7% | $6,421-12.9% | $6,925-19.3% |