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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 | $26,931 | $88,672-69.6% | $105,223-74.4% | $82,448-67.3% |
| Participation rate | 40.0% | 67.9%-27.9pp | 75.0%-35.0pp | 68.1%-28.1pp |
| Annual return | 14.37% | 30.86%-16.5pp | 180.65%-166.3pp | 41.64%-27.3pp |
| Employer contribution / active EE | $1,235 | $3,048-59.5% | $3,689-66.5% | $2,551-51.6% |
| Participant deferral / active EE | $2,118 | $4,036-47.5% | $5,072-58.2% | $4,139-48.8% |
| Admin fee / account holder | $8,204 | $7,146+14.8% | $8,859-7.4% | $7,234+13.4% |