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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 | $31,891 | $81,504-60.9% | $102,437-68.9% | $80,959-60.6% |
| Participation rate | 51.4% | 66.9%-15.5pp | 74.5%-23.2pp | 67.7%-16.3pp |
| Annual return | 34.29% | 25.60%+8.7pp | 24.95%+9.3pp | 35.67%-1.4pp |
| Employer contribution / active EE | $1,644 | $3,104-47.0% | $3,871-57.5% | $2,757-40.4% |
| Participant deferral / active EE | $3,220 | $3,871-16.8% | $5,060-36.4% | $4,300-25.1% |
| Admin fee / account holder | $2,214 | $6,719-67.1% | $8,388-73.6% | $6,925-68.0% |