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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 | $29,566 | $67,595-56.3% | $186,193-84.1% | $64,340-54.0% |
| Participation rate | 43.2% | 51.9%-8.8pp | 77.1%-33.9pp | 55.2%-12.1pp |
| Annual return | 18.64% | 17.46%+1.2pp | 78.03%-59.4pp | 24.14%-5.5pp |
| Employer contribution / active EE | $1,152 | $1,513-23.9% | $3,918-70.6% | $1,862-38.1% |
| Participant deferral / active EE | $2,059 | $3,023-31.9% | $6,513-68.4% | $2,980-30.9% |
| Admin fee / account holder | $2,874 | $5,311-45.9% | $11,058-74.0% | $3,703-22.4% |