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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 | $25,729 | $71,197-63.9% | $93,669-72.5% | $80,925-68.2% |
| Participation rate | 48.3% | 60.4%-12.1pp | 68.7%-20.4pp | 67.7%-19.4pp |
| Annual return | 13.44% | 11.27%+2.2pp | 133.59%-120.2pp | 35.65%-22.2pp |
| Employer contribution / active EE | $1,156 | $1,565-26.1% | $2,424-52.3% | $2,756-58.1% |
| Participant deferral / active EE | $1,377 | $4,036-65.9% | $4,416-68.8% | $4,299-68.0% |
| Admin fee / account holder | $720 | $6,959-89.7% | $8,291-91.3% | $6,940-89.6% |