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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 | $44,524 | $75,541-41.1% | $152,093-70.7% | $82,637-46.1% |
| Participation rate | 37.8% | 66.5%-28.7pp | 77.8%-39.9pp | 68.1%-30.2pp |
| Annual return | 16.12% | 32.56%-16.4pp | 66.36%-50.2pp | 53.51%-37.4pp |
| Employer contribution / active EE | $1,021 | $2,622-61.1% | $4,175-75.5% | $2,552-60.0% |
| Participant deferral / active EE | $1,641 | $3,206-48.8% | $5,451-69.9% | $4,126-60.2% |
| Admin fee / account holder | $1,297 | $6,405-79.7% | $14,497-91.1% | $7,339-82.3% |