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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 | $26,952 | $115,866-76.7% | $65,328-58.7% | $139,456-80.7% |
| Participation rate | 46.2% | 67.8%-21.6pp | 64.9%-18.8pp | 80.3%-34.2pp |
| Annual return | 14.88% | 31.21%-16.3pp | 47.39%-32.5pp | 373.45%-358.6pp |
| Employer contribution / active EE | $1,025 | $2,600-60.6% | $1,692-39.4% | $4,753-78.4% |
| Participant deferral / active EE | $3,150 | $4,242-25.7% | $2,832+11.2% | $6,711-53.1% |
| Admin fee / account holder | $672 | $6,705-90.0% | $4,116-83.7% | $11,407-94.1% |