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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 | $44,983 | $54,541-17.5% | $78,778-42.9% | $70,126-35.9% |
| Participation rate | 25.0% | 60.8%-35.8pp | 69.2%-44.2pp | 69.5%-44.5pp |
| Annual return | 18.85% | 21.07%-2.2pp | 35.62%-16.8pp | 73.15%-54.3pp |
| Employer contribution / active EE | $576 | $1,089-47.1% | $1,986-71.0% | $2,343-75.4% |
| Participant deferral / active EE | $1,235 | $2,210-44.1% | $2,958-58.2% | $3,332-62.9% |
| Admin fee / account holder | $1,502 | $3,709-59.5% | $5,134-70.8% | $4,645-67.7% |