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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 | $76,467 | $78,027-2.0% | $178,528-57.2% | $80,925-5.5% |
| Participation rate | 38.5% | 65.7%-27.2pp | 77.1%-38.6pp | 67.7%-29.2pp |
| Annual return | 14.10% | 18.09%-4.0pp | 27.11%-13.0pp | 35.65%-21.6pp |
| Employer contribution / active EE | $506 | $2,281-77.8% | $3,950-87.2% | $2,756-81.6% |
| Participant deferral / active EE | $3,577 | $4,408-18.8% | $6,278-43.0% | $4,299-16.8% |
| Admin fee / account holder | $1,690 | $7,168-76.4% | $10,419-83.8% | $6,940-75.7% |