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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 | $34,961 | $45,082-22.4% | $69,464-49.7% | $72,975-52.1% |
| Participation rate | 64.9% | 68.5%-3.6pp | 74.6%-9.7pp | 69.5%-4.6pp |
| Annual return | 18.19% | 22.66%-4.5pp | 28.98%-10.8pp | 81.01%-62.8pp |
| Employer contribution / active EE | $1,490 | $2,055-27.5% | $2,779-46.4% | $2,440-38.9% |
| Participant deferral / active EE | $1,018 | $2,604-60.9% | $3,536-71.2% | $3,608-71.8% |
| Admin fee / account holder | $4,616 | $3,057+51.0% | $3,840+20.2% | $5,124-9.9% |