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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 | $37,729 | $105,200-64.1% | $159,474-76.3% | $85,847-56.1% |
| Participation rate | 25.0% | 75.8%-50.8pp | 82.8%-57.8pp | 69.3%-44.3pp |
| Annual return | 27.08% | 45.08%-18.0pp | 263.68%-236.6pp | 318.61%-291.5pp |
| Employer contribution / active EE | $1,434 | $3,319-56.8% | $4,831-70.3% | $2,565-44.1% |
| Participant deferral / active EE | $2,623 | $5,946-55.9% | $7,353-64.3% | $3,952-33.6% |
| Admin fee / account holder | $4,450 | $6,934-35.8% | $10,802-58.8% | $6,261-28.9% |