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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 | $26,194 | $51,202-48.8% | $70,548-62.9% | $75,181-65.2% |
| Participation rate | 34.5% | 61.0%-26.5pp | 68.3%-33.9pp | 67.2%-32.7pp |
| Annual return | 31.20% | 30.05%+1.1pp | 32.78%-1.6pp | 160.69%-129.5pp |
| Employer contribution / active EE | $489 | $1,827-73.3% | $2,975-83.6% | $2,671-81.7% |
| Participant deferral / active EE | $1,970 | $2,850-30.9% | $4,567-56.9% | $4,126-52.3% |
| Admin fee / account holder | $1,292 | $4,094-68.5% | $6,424-79.9% | $5,650-77.1% |