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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 | $31,730 | $52,306-39.3% | $69,779-54.5% | $62,881-49.5% |
| Participation rate | 47.2% | 67.2%-20.0pp | 71.8%-24.6pp | 69.3%-22.1pp |
| Annual return | 8.97% | 13.35%-4.4pp | 12.99%-4.0pp | 20.14%-11.2pp |
| Employer contribution / active EE | $503 | $1,799-72.1% | $2,338-78.5% | $2,281-78.0% |
| Participant deferral / active EE | $3,712 | $2,395+55.0% | $2,931+26.7% | $3,203+15.9% |
| Admin fee / account holder | $13,544 | $3,691+266.9% | $4,381+209.2% | $4,296+215.3% |