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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 | $32,757 | $45,343-27.8% | $150,298-78.2% | $67,986-51.8% |
| Participation rate | 28.8% | 51.9%-23.1pp | 77.8%-49.0pp | 57.2%-28.4pp |
| Annual return | 12.68% | 33.28%-20.6pp | 62.79%-50.1pp | 31.67%-19.0pp |
| Employer contribution / active EE | $262 | $1,462-82.1% | $4,154-93.7% | $2,019-87.0% |
| Participant deferral / active EE | $2,285 | $2,055+11.2% | $5,453-58.1% | $3,358-32.0% |
| Admin fee / account holder | $3,828 | $2,250+70.1% | $14,116-72.9% | $3,203+19.5% |