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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 | $35,393 | $72,027-50.9% | $185,861-81.0% | $79,856-55.7% |
| Participation rate | 32.3% | 65.8%-33.5pp | 78.0%-45.8pp | 69.6%-37.4pp |
| Annual return | 17.41% | 23.13%-5.7pp | 35.96%-18.6pp | 31.71%-14.3pp |
| Employer contribution / active EE | $396 | $1,965-79.9% | $4,088-90.3% | $2,471-84.0% |
| Participant deferral / active EE | $2,136 | $3,780-43.5% | $5,634-62.1% | $3,741-42.9% |
| Admin fee / account holder | $1,317 | $4,513-70.8% | $9,503-86.1% | $5,306-75.2% |