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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 | $37,078 | $78,027-52.5% | $178,528-79.2% | $80,925-54.2% |
| Participation rate | 29.5% | 65.7%-36.1pp | 77.1%-47.6pp | 67.7%-38.1pp |
| Annual return | 17.21% | 18.09%-0.9pp | 27.11%-9.9pp | 35.65%-18.4pp |
| Employer contribution / active EE | $1,349 | $2,281-40.9% | $3,950-65.9% | $2,756-51.1% |
| Participant deferral / active EE | $2,067 | $4,408-53.1% | $6,278-67.1% | $4,299-51.9% |
| Admin fee / account holder | $1,659 | $7,168-76.9% | $10,419-84.1% | $6,940-76.1% |