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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 | $36,246 | $81,487-55.5% | $102,412-64.6% | $80,935-55.2% |
| Participation rate | 30.6% | 66.8%-36.3pp | 74.5%-43.9pp | 67.7%-37.1pp |
| Annual return | 33.12% | 25.60%+7.5pp | 24.94%+8.2pp | 35.66%-2.5pp |
| Employer contribution / active EE | $1,075 | $3,103-65.4% | $3,870-72.2% | $2,757-61.0% |
| Participant deferral / active EE | $1,964 | $3,871-49.3% | $5,060-61.2% | $4,299-54.3% |
| Admin fee / account holder | $1,757 | $6,717-73.8% | $8,388-79.0% | $6,924-74.6% |