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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 | $31,845 | $109,782-71.0% | $260,467-87.8% | $94,015-66.1% |
| Participation rate | 54.3% | 67.2%-12.9pp | 80.5%-26.2pp | 70.8%-16.5pp |
| Annual return | 16.23% | 18.60%-2.4pp | 100.60%-84.4pp | 17.84%-1.6pp |
| Employer contribution / active EE | $598 | $2,147-72.1% | $4,239-85.9% | $2,790-78.6% |
| Participant deferral / active EE | $2,885 | $4,044-28.7% | $6,319-54.4% | $4,249-32.1% |
| Admin fee / account holder | $3,510 | $11,958-70.6% | $15,461-77.3% | $8,951-60.8% |