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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 | $43,512 | $65,395-33.5% | $182,540-76.2% | $72,975-40.4% |
| Participation rate | 37.0% | 65.4%-28.4pp | 78.0%-40.9pp | 69.5%-32.5pp |
| Annual return | 26.81% | 27.68%-0.9pp | 148.58%-121.8pp | 81.01%-54.2pp |
| Employer contribution / active EE | $772 | $1,911-59.6% | $4,076-81.1% | $2,440-68.3% |
| Participant deferral / active EE | $2,571 | $3,563-27.8% | $5,525-53.5% | $3,608-28.7% |
| Admin fee / account holder | $600 | $4,245-85.9% | $8,593-93.0% | $5,124-88.3% |