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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 | $29,234 | $72,269-59.5% | $101,271-71.1% | $79,852-63.4% |
| Participation rate | 44.6% | 68.5%-23.8pp | 75.8%-31.2pp | 69.6%-25.0pp |
| Annual return | 34.90% | 22.29%+12.6pp | 46.48%-11.6pp | 31.72%+3.2pp |
| Employer contribution / active EE | $1,419 | $2,692-47.3% | $3,660-61.2% | $2,471-42.6% |
| Participant deferral / active EE | $2,364 | $3,282-28.0% | $4,371-45.9% | $3,740-36.8% |
| Admin fee / account holder | $1,344 | $4,401-69.5% | $5,948-77.4% | $5,306-74.7% |