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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 | $38,660 | $62,686-38.3% | $178,505-78.3% | $77,762-50.3% |
| Participation rate | 33.8% | 66.9%-33.1pp | 77.1%-43.3pp | 70.6%-36.8pp |
| Annual return | 35.47% | 16.16%+19.3pp | 27.16%+8.3pp | 31.27%+4.2pp |
| Employer contribution / active EE | $855 | $1,914-55.3% | $3,955-78.4% | $2,728-68.6% |
| Participant deferral / active EE | $1,572 | $4,224-62.8% | $6,280-75.0% | $4,651-66.2% |
| Admin fee / account holder | $2,606 | $386+574.9% | $10,428-75.0% | $433+502.0% |