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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 | $33,685 | $45,343-25.7% | $150,298-77.6% | $67,986-50.5% |
| Participation rate | 35.2% | 51.9%-16.6pp | 77.8%-42.5pp | 57.2%-22.0pp |
| Annual return | 16.89% | 33.28%-16.4pp | 62.79%-45.9pp | 31.67%-14.8pp |
| Employer contribution / active EE | $643 | $1,462-56.0% | $4,154-84.5% | $2,019-68.1% |
| Participant deferral / active EE | $909 | $2,055-55.7% | $5,453-83.3% | $3,358-72.9% |
| Admin fee / account holder | $1,433 | $2,250-36.3% | $14,116-89.8% | $3,203-55.3% |