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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 | $37,544 | $93,346-59.8% | $71,796-47.7% | $273,972-86.3% |
| Participation rate | 35.7% | 76.5%-40.8pp | 69.1%-33.4pp | 83.0%-47.3pp |
| Annual return | 12.88% | 130.39%-117.5pp | 78.04%-65.2pp | 41.46%-28.6pp |
| Employer contribution / active EE | $885 | $2,733-67.6% | $1,924-54.0% | $4,869-81.8% |
| Participant deferral / active EE | $3,684 | $3,475+6.0% | $2,794+31.8% | $5,287-30.3% |
| Admin fee / account holder | $760 | $6,571-88.4% | $4,815-84.2% | $10,133-92.5% |