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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 | $31,536 | $75,541-58.3% | $152,093-79.3% | $82,637-61.8% |
| Participation rate | 57.9% | 66.5%-8.6pp | 77.8%-19.9pp | 68.1%-10.2pp |
| Annual return | 15.84% | 32.56%-16.7pp | 66.36%-50.5pp | 53.51%-37.7pp |
| Employer contribution / active EE | $1,294 | $2,622-50.7% | $4,175-69.0% | $2,552-49.3% |
| Participant deferral / active EE | $3,011 | $3,206-6.1% | $5,451-44.8% | $4,126-27.0% |
| Admin fee / account holder | $9,072 | $6,405+41.6% | $14,497-37.4% | $7,339+23.6% |