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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 | $39,048 | $77,638-49.7% | $156,551-75.1% | $62,881-37.9% |
| Participation rate | 57.7% | 71.2%-13.5pp | 84.0%-26.3pp | 69.3%-11.6pp |
| Annual return | 8.67% | 50.33%-41.7pp | 32.23%-23.6pp | 20.14%-11.5pp |
| Employer contribution / active EE | $705 | $3,444-79.5% | $5,501-87.2% | $2,281-69.1% |
| Participant deferral / active EE | $1,682 | $3,046-44.8% | $4,871-65.5% | $3,203-47.5% |
| Admin fee / account holder | $355 | $5,561-93.6% | $13,028-97.3% | $4,296-91.7% |