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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 | $39,471 | $56,544-30.2% | $75,501-47.7% | $70,126-43.7% |
| Participation rate | 41.9% | 68.1%-26.2pp | 72.4%-30.4pp | 69.5%-27.6pp |
| Annual return | 16.07% | 23.59%-7.5pp | 27.35%-11.3pp | 73.15%-57.1pp |
| Employer contribution / active EE | $1,033 | $1,817-43.2% | $2,352-56.1% | $2,343-55.9% |
| Participant deferral / active EE | $2,671 | $2,580+3.5% | $3,142-15.0% | $3,332-19.8% |
| Admin fee / account holder | $5,963 | $3,827+55.8% | $5,801+2.8% | $4,645+28.4% |