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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 | $71,024 | $101,795-30.2% | $165,100-57.0% | $80,959-12.3% |
| Participation rate | 37.8% | 71.8%-34.0pp | 78.6%-40.8pp | 67.7%-29.8pp |
| Annual return | 12.08% | 16.73%-4.6pp | 70.21%-58.1pp | 35.67%-23.6pp |
| Employer contribution / active EE | $1,041 | $2,954-64.8% | $4,348-76.1% | $2,757-62.3% |
| Participant deferral / active EE | $2,705 | $4,476-39.6% | $6,035-55.2% | $4,300-37.1% |
| Admin fee / account holder | $664 | $8,221-91.9% | $12,696-94.8% | $6,925-90.4% |