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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 | $38,320 | $99,875-61.6% | $146,866-73.9% | $86,983-55.9% |
| Participation rate | 52.0% | 75.8%-23.8pp | 82.5%-30.5pp | 69.5%-17.5pp |
| Annual return | 35.14% | 28.10%+7.0pp | 102.85%-67.7pp | 25.83%+9.3pp |
| Employer contribution / active EE | $950 | $3,224-70.5% | $4,425-78.5% | $2,584-63.2% |
| Participant deferral / active EE | $2,429 | $6,322-61.6% | $7,759-68.7% | $4,194-42.1% |
| Admin fee / account holder | $9,722 | $7,838+24.0% | $13,620-28.6% | $7,856+23.8% |