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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 | $36,748 | $104,251-64.8% | $91,004-59.6% | $147,586-75.1% |
| Participation rate | 35.3% | 78.2%-42.9pp | 75.6%-40.3pp | 82.8%-47.5pp |
| Annual return | 13.85% | 27.06%-13.2pp | 4.60%+9.3pp | 578.59%-564.7pp |
| Employer contribution / active EE | $1,392 | $3,116-55.3% | $2,456-43.3% | $4,876-71.5% |
| Participant deferral / active EE | $2,633 | $4,195-37.2% | $3,548-25.8% | $5,439-51.6% |
| Admin fee / account holder | $9,619 | $8,948+7.5% | $5,417+77.5% | $10,886-11.6% |