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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 | $39,239 | $86,891-54.8% | $142,516-72.5% | $75,173-47.8% |
| Participation rate | 50.0% | 68.5%-18.5pp | 76.8%-26.8pp | 67.2%-17.2pp |
| Annual return | 29.99% | 23.31%+6.7pp | 19.99%+10.0pp | 160.72%-130.7pp |
| Employer contribution / active EE | $1,149 | $3,355-65.8% | $4,849-76.3% | $2,671-57.0% |
| Participant deferral / active EE | $3,808 | $4,938-22.9% | $6,280-39.4% | $4,126-7.7% |
| Admin fee / account holder | $2,065 | $7,299-71.7% | $10,008-79.4% | $5,651-63.5% |