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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 | $37,290 | $72,486-48.6% | $87,103-57.2% | $72,976-48.9% |
| Participation rate | 38.0% | 72.8%-34.8pp | 76.9%-38.8pp | 69.5%-31.4pp |
| Annual return | 21.44% | 24.46%-3.0pp | 28.19%-6.8pp | 81.02%-59.6pp |
| Employer contribution / active EE | $876 | $1,894-53.8% | $2,521-65.3% | $2,440-64.1% |
| Participant deferral / active EE | $2,480 | $3,270-24.2% | $4,049-38.7% | $3,608-31.3% |
| Admin fee / account holder | $2,946 | $5,055-41.7% | $7,491-60.7% | $5,124-42.5% |