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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 | $61,032 | $84,236-27.5% | $170,435-64.2% | $70,126-13.0% |
| Participation rate | 30.4% | 70.8%-40.5pp | 83.6%-53.2pp | 69.5%-39.2pp |
| Annual return | 13.95% | 23.06%-9.1pp | 205.94%-192.0pp | 73.15%-59.2pp |
| Employer contribution / active EE | $1,062 | $3,387-68.7% | $5,432-80.5% | $2,343-54.7% |
| Participant deferral / active EE | $2,343 | $3,086-24.1% | $4,939-52.6% | $3,332-29.7% |
| Admin fee / account holder | $860 | $5,698-84.9% | $13,881-93.8% | $4,645-81.5% |