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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 | $31,464 | $81,276-61.3% | $155,574-79.8% | $80,925-61.1% |
| Participation rate | 56.0% | 66.2%-10.2pp | 78.2%-22.2pp | 67.7%-11.7pp |
| Annual return | 13.88% | 33.36%-19.5pp | 64.87%-51.0pp | 35.65%-21.8pp |
| Employer contribution / active EE | $2,291 | $3,103-26.2% | $4,676-51.0% | $2,756-16.9% |
| Participant deferral / active EE | $4,735 | $3,453+37.1% | $5,629-15.9% | $4,299+10.1% |
| Admin fee / account holder | $2,745 | $7,993-65.7% | $15,914-82.8% | $6,940-60.5% |