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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 | $32,424 | $51,222-36.7% | $70,544-54.0% | $75,173-56.9% |
| Participation rate | 26.7% | 61.0%-34.3pp | 68.4%-41.7pp | 67.2%-40.5pp |
| Annual return | 21.01% | 30.06%-9.0pp | 32.79%-11.8pp | 160.72%-139.7pp |
| Employer contribution / active EE | $728 | $1,827-60.1% | $2,976-75.5% | $2,671-72.7% |
| Participant deferral / active EE | $1,860 | $2,850-34.7% | $4,568-59.3% | $4,126-54.9% |
| Admin fee / account holder | $1,017 | $4,096-75.2% | $6,427-84.2% | $5,651-82.0% |