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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 | $34,220 | $57,073-40.0% | $85,126-59.8% | $80,925-57.7% |
| Participation rate | 47.7% | 56.4%-8.7pp | 67.5%-19.8pp | 67.7%-19.9pp |
| Annual return | 16.38% | 21.69%-5.3pp | 66.63%-50.2pp | 35.65%-19.3pp |
| Employer contribution / active EE | $2,022 | $1,801+12.3% | $2,731-26.0% | $2,756-26.6% |
| Participant deferral / active EE | $2,751 | $3,113-11.6% | $4,523-39.2% | $4,299-36.0% |
| Admin fee / account holder | $7,133 | $4,988+43.0% | $6,160+15.8% | $6,940+2.8% |