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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 | $37,578 | $81,358-53.8% | $155,556-75.8% | $80,959-53.6% |
| Participation rate | 41.5% | 66.3%-24.7pp | 78.2%-36.7pp | 67.7%-26.1pp |
| Annual return | 11.94% | 33.39%-21.4pp | 64.84%-52.9pp | 35.67%-23.7pp |
| Employer contribution / active EE | $1,491 | $3,106-52.0% | $4,675-68.1% | $2,757-45.9% |
| Participant deferral / active EE | $3,865 | $3,455+11.8% | $5,631-31.4% | $4,300-10.1% |
| Admin fee / account holder | $5,612 | $7,994-29.8% | $15,885-64.7% | $6,925-19.0% |