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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 | $28,218 | $82,882-66.0% | $127,803-77.9% | $72,975-61.3% |
| Participation rate | 51.4% | 71.5%-20.1pp | 79.0%-27.6pp | 69.5%-18.1pp |
| Annual return | 24.98% | 32.20%-7.2pp | 26.14%-1.2pp | 81.01%-56.0pp |
| Employer contribution / active EE | $1,684 | $3,346-49.7% | $4,576-63.2% | $2,440-31.0% |
| Participant deferral / active EE | $3,080 | $4,791-35.7% | $6,023-48.9% | $3,608-14.6% |
| Admin fee / account holder | $1,595 | $6,487-75.4% | $9,399-83.0% | $5,124-68.9% |