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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 | $39,424 | $77,816-49.3% | $123,552-68.1% | $64,173-38.6% |
| Participation rate | 44.0% | 74.7%-30.7pp | 82.3%-38.3pp | 69.6%-25.6pp |
| Annual return | 22.46% | 12.49%+10.0pp | 119.20%-96.7pp | 7.63%+14.8pp |
| Employer contribution / active EE | $1,718 | $3,014-43.0% | $4,628-62.9% | $2,381-27.9% |
| Participant deferral / active EE | $3,848 | $5,240-26.6% | $6,426-40.1% | $3,470+10.9% |
| Admin fee / account holder | $984 | $5,519-82.2% | $9,285-89.4% | $4,887-79.9% |