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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 | $37,040 | $56,047-33.9% | $98,716-62.5% | $79,634-53.5% |
| Participation rate | 37.5% | 54.6%-17.1pp | 69.3%-31.8pp | 62.5%-25.0pp |
| Annual return | 90.83% | 17.58%+73.3pp | 31.81%+59.0pp | 36.46%+54.4pp |
| Employer contribution / active EE | $822 | $1,237-33.5% | $2,279-63.9% | $2,529-67.5% |
| Participant deferral / active EE | $1,420 | $2,469-42.5% | $4,048-64.9% | $3,835-63.0% |
| Admin fee / account holder | $1,389 | $1,512-8.1% | $8,703-84.0% | $1,002+38.7% |