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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 | $19,139 | $50,972-62.5% | $88,538-78.4% | $72,975-73.8% |
| Participation rate | 32.8% | 63.4%-30.6pp | 68.7%-35.9pp | 69.5%-36.7pp |
| Annual return | 42.23% | 29.62%+12.6pp | 43.64%-1.4pp | 81.01%-38.8pp |
| Employer contribution / active EE | $383 | $1,475-74.0% | $2,098-81.7% | $2,440-84.3% |
| Participant deferral / active EE | $2,704 | $2,230+21.2% | $2,914-7.2% | $3,608-25.1% |
| Admin fee / account holder | $2,324 | $3,230-28.0% | $4,310-46.1% | $5,124-54.6% |