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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 | $36,292 | $65,395-44.5% | $182,558-80.1% | $72,976-50.3% |
| Participation rate | 43.2% | 65.4%-22.3pp | 78.0%-34.8pp | 69.5%-26.3pp |
| Annual return | 23.16% | 27.68%-4.5pp | 148.59%-125.4pp | 81.02%-57.9pp |
| Employer contribution / active EE | $1,228 | $1,911-35.7% | $4,076-69.9% | $2,440-49.7% |
| Participant deferral / active EE | $2,342 | $3,563-34.3% | $5,526-57.6% | $3,608-35.1% |
| Admin fee / account holder | $2,082 | $4,245-50.9% | $8,594-75.8% | $5,124-59.4% |