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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 | $24,230 | $91,179-73.4% | $178,499-86.4% | $79,852-69.7% |
| Participation rate | 30.4% | 69.2%-38.8pp | 81.9%-51.5pp | 69.6%-39.2pp |
| Annual return | 22.06% | 24.19%-2.1pp | 151.10%-129.0pp | 31.72%-9.7pp |
| Employer contribution / active EE | $997 | $3,256-69.4% | $5,011-80.1% | $2,471-59.7% |
| Participant deferral / active EE | $1,960 | $3,236-39.4% | $5,202-62.3% | $3,740-47.6% |
| Admin fee / account holder | $6,500 | $6,749-3.7% | $13,986-53.5% | $5,306+22.5% |