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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 | $37,033 | $86,949-57.4% | $102,460-63.9% | $80,959-54.3% |
| Participation rate | 48.7% | 72.4%-23.7pp | 76.5%-27.8pp | 67.7%-18.9pp |
| Annual return | 13.14% | 18.89%-5.8pp | 29.47%-16.3pp | 35.67%-22.5pp |
| Employer contribution / active EE | $1,520 | $2,370-35.9% | $3,025-49.8% | $2,757-44.9% |
| Participant deferral / active EE | $3,134 | $4,121-23.9% | $5,056-38.0% | $4,300-27.1% |
| Admin fee / account holder | $16,978 | $8,048+111.0% | $9,460+79.5% | $6,925+145.2% |