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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 | $42,551 | $56,060-24.1% | $76,002-44.0% | $80,874-47.4% |
| Participation rate | 26.3% | 62.0%-35.7pp | 69.1%-42.8pp | 67.6%-41.3pp |
| Annual return | 31.80% | 20.54%+11.3pp | 360.07%-328.3pp | 35.62%-3.8pp |
| Employer contribution / active EE | $1,025 | $1,873-45.3% | $2,688-61.9% | $2,756-62.8% |
| Participant deferral / active EE | $2,634 | $3,051-13.7% | $4,257-38.1% | $4,297-38.7% |
| Admin fee / account holder | $5,188 | $5,237-0.9% | $6,414-19.1% | $6,935-25.2% |