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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 | $35,567 | $101,950-65.1% | $125,529-71.7% | $86,983-59.1% |
| Participation rate | 39.4% | 70.2%-30.8pp | 74.7%-35.3pp | 69.5%-30.1pp |
| Annual return | 15.91% | 18.29%-2.4pp | 202.56%-186.6pp | 25.83%-9.9pp |
| Employer contribution / active EE | $857 | $2,358-63.7% | $3,058-72.0% | $2,584-66.9% |
| Participant deferral / active EE | $1,844 | $3,862-52.3% | $4,813-61.7% | $4,194-56.0% |
| Admin fee / account holder | $4,341 | $12,791-66.1% | $16,298-73.4% | $7,856-44.7% |