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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 | $36,951 | $181,896-79.7% | $156,551-76.4% | $273,972-86.5% |
| Participation rate | 40.0% | 88.4%-48.4pp | 84.0%-44.0pp | 83.0%-43.0pp |
| Annual return | 3.61% | 30.74%-27.1pp | 32.23%-28.6pp | 41.46%-37.9pp |
| Employer contribution / active EE | $1,459 | $6,248-76.7% | $5,501-73.5% | $4,869-70.0% |
| Participant deferral / active EE | $2,709 | $5,550-51.2% | $4,871-44.4% | $5,287-48.8% |
| Admin fee / account holder | $12,572 | $15,560-19.2% | $13,028-3.5% | $10,133+24.1% |