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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 | $28,031 | $65,364-57.1% | $92,909-69.8% | $72,975-61.6% |
| Participation rate | 60.0% | 68.3%-8.3pp | 76.0%-16.0pp | 69.5%-9.5pp |
| Annual return | 52.74% | 42.11%+10.6pp | 109.44%-56.7pp | 81.01%-28.3pp |
| Employer contribution / active EE | $1,282 | $2,594-50.6% | $3,653-64.9% | $2,440-47.5% |
| Participant deferral / active EE | $2,852 | $3,128-8.8% | $4,238-32.7% | $3,608-21.0% |
| Admin fee / account holder | $2,510 | $4,251-40.9% | $5,795-56.7% | $5,124-51.0% |