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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 | $65,815 | $78,423-16.1% | $95,964-31.4% | $79,856-17.6% |
| Participation rate | 37.9% | 73.5%-35.6pp | 77.1%-39.2pp | 69.6%-31.8pp |
| Annual return | 21.75% | 19.37%+2.4pp | 91.64%-69.9pp | 31.71%-10.0pp |
| Employer contribution / active EE | $1,302 | $1,945-33.1% | $2,541-48.8% | $2,471-47.3% |
| Participant deferral / active EE | $2,460 | $3,440-28.5% | $4,167-41.0% | $3,741-34.2% |
| Admin fee / account holder | $2,658 | $5,622-52.7% | $6,797-60.9% | $5,306-49.9% |