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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 | $35,881 | $61,356-41.5% | $149,696-76.0% | $71,511-49.8% |
| Participation rate | 47.2% | 62.5%-15.3pp | 78.8%-31.6pp | 67.9%-20.7pp |
| Annual return | 21.89% | 35.86%-14.0pp | 134.46%-112.6pp | 28.86%-7.0pp |
| Employer contribution / active EE | $1,177 | $2,382-50.6% | $4,821-75.6% | $2,589-54.5% |
| Participant deferral / active EE | $1,936 | $2,920-33.7% | $5,682-65.9% | $4,291-54.9% |
| Admin fee / account holder | $539 | $1,263-57.4% | $13,212-95.9% | $1,588-66.1% |