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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 | $38,244 | $106,524-64.1% | $152,301-74.9% | $87,485-56.3% |
| Participation rate | 36.4% | 75.8%-39.4pp | 82.4%-46.1pp | 68.9%-32.6pp |
| Annual return | 34.63% | 26.89%+7.7pp | 80.50%-45.9pp | 26.06%+8.6pp |
| Employer contribution / active EE | $1,044 | $3,371-69.0% | $4,624-77.4% | $2,596-59.8% |
| Participant deferral / active EE | $3,046 | $6,525-53.3% | $8,004-61.9% | $4,274-28.7% |
| Admin fee / account holder | $379 | $8,287-95.4% | $14,398-97.4% | $7,775-95.1% |