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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 | $39,484 | $85,515-53.8% | $112,040-64.8% | $67,986-41.9% |
| Participation rate | 35.1% | 68.2%-33.1pp | 76.5%-41.4pp | 57.2%-22.1pp |
| Annual return | 16.13% | 29.68%-13.5pp | 24.52%-8.4pp | 31.67%-15.5pp |
| Employer contribution / active EE | $633 | $2,191-71.1% | $2,954-78.6% | $2,019-68.7% |
| Participant deferral / active EE | $2,198 | $4,014-45.2% | $5,098-56.9% | $3,358-34.5% |
| Admin fee / account holder | $4,469 | $3,774+18.4% | $12,098-63.1% | $3,203+39.5% |