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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 | $27,229 | $124,980-78.2% | $108,359-74.9% | $154,746-82.4% |
| Participation rate | 40.0% | 75.2%-35.2pp | 70.1%-30.1pp | 80.7%-40.7pp |
| Annual return | 13.41% | 45.00%-31.6pp | 36.89%-23.5pp | 172.34%-158.9pp |
| Employer contribution / active EE | $1,454 | $2,851-49.0% | $2,399-39.4% | $4,379-66.8% |
| Participant deferral / active EE | $4,001 | $4,743-15.6% | $4,137-3.3% | $6,730-40.5% |
| Admin fee / account holder | $29,230 | $11,502+154.1% | $9,741+200.1% | $14,365+103.5% |