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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 | $33,773 | $81,358-58.5% | $155,556-78.3% | $80,959-58.3% |
| Participation rate | 38.0% | 66.3%-28.2pp | 78.2%-40.2pp | 67.7%-29.6pp |
| Annual return | 13.13% | 33.39%-20.3pp | 64.84%-51.7pp | 35.67%-22.5pp |
| Employer contribution / active EE | $713 | $3,106-77.1% | $4,675-84.8% | $2,757-74.1% |
| Participant deferral / active EE | $1,595 | $3,455-53.8% | $5,631-71.7% | $4,300-62.9% |
| Admin fee / account holder | $1,812 | $7,994-77.3% | $15,885-88.6% | $6,925-73.8% |