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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 | $39,600 | $90,400-56.2% | $186,193-78.7% | $87,485-54.7% |
| Participation rate | 43.6% | 66.2%-22.6pp | 77.1%-33.5pp | 68.9%-25.3pp |
| Annual return | 19.73% | 22.15%-2.4pp | 78.03%-58.3pp | 26.06%-6.3pp |
| Employer contribution / active EE | $1,088 | $2,170-49.9% | $3,918-72.2% | $2,596-58.1% |
| Participant deferral / active EE | $2,026 | $4,330-53.2% | $6,513-68.9% | $4,274-52.6% |
| Admin fee / account holder | $4,638 | $8,673-46.5% | $11,058-58.1% | $7,775-40.3% |