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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 | $28,786 | $78,690-63.4% | $161,489-82.2% | $87,485-67.1% |
| Participation rate | 34.0% | 67.5%-33.5pp | 78.7%-44.7pp | 68.9%-35.0pp |
| Annual return | 20.83% | 32.74%-11.9pp | 89.72%-68.9pp | 26.06%-5.2pp |
| Employer contribution / active EE | $368 | $2,588-85.8% | $4,268-91.4% | $2,596-85.8% |
| Participant deferral / active EE | $2,270 | $3,311-31.4% | $5,630-59.7% | $4,274-46.9% |
| Admin fee / account holder | $2,245 | $6,724-66.6% | $16,006-86.0% | $7,775-71.1% |