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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 | $40,642 | $81,331-50.0% | $155,534-73.9% | $80,935-49.8% |
| Participation rate | 32.5% | 66.3%-33.8pp | 78.2%-45.7pp | 67.7%-35.2pp |
| Annual return | 11.37% | 33.37%-22.0pp | 64.92%-53.5pp | 35.66%-24.3pp |
| Employer contribution / active EE | $1,131 | $3,105-63.6% | $4,675-75.8% | $2,757-59.0% |
| Participant deferral / active EE | $1,661 | $3,454-51.9% | $5,630-70.5% | $4,299-61.4% |
| Admin fee / account holder | $7,964 | $7,999-0.4% | $15,900-49.9% | $6,924+15.0% |