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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 | $31,855 | $41,016-22.3% | $152,093-79.1% | $64,097-50.3% |
| Participation rate | 24.1% | 51.3%-27.3pp | 77.8%-53.7pp | 55.2%-31.1pp |
| Annual return | 18.10% | 39.60%-21.5pp | 66.36%-48.3pp | 34.64%-16.5pp |
| Employer contribution / active EE | $644 | $1,342-52.0% | $4,175-84.6% | $1,891-66.0% |
| Participant deferral / active EE | $1,128 | $1,927-41.5% | $5,451-79.3% | $3,080-63.4% |
| Admin fee / account holder | $2,333 | $2,305+1.2% | $14,497-83.9% | $3,454-32.5% |