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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 | $35,932 | $97,648-63.2% | $121,663-70.5% | $87,485-58.9% |
| Participation rate | 27.3% | 70.5%-43.2pp | 74.5%-47.2pp | 68.9%-41.7pp |
| Annual return | 21.83% | 18.03%+3.8pp | 147.54%-125.7pp | 26.06%-4.2pp |
| Employer contribution / active EE | $797 | $2,300-65.4% | $3,020-73.6% | $2,596-69.3% |
| Participant deferral / active EE | $1,961 | $3,923-50.0% | $4,887-59.9% | $4,274-54.1% |
| Admin fee / account holder | $8,119 | $11,100-26.9% | $14,289-43.2% | $7,775+4.4% |