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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 | $29,267 | $78,682-62.8% | $109,188-73.2% | $85,851-65.9% |
| Participation rate | 37.5% | 68.3%-30.8pp | 75.9%-38.4pp | 69.3%-31.8pp |
| Annual return | 12.45% | 25.09%-12.6pp | 25.76%-13.3pp | 318.63%-306.2pp |
| Employer contribution / active EE | $1,200 | $2,734-56.1% | $3,723-67.8% | $2,565-53.2% |
| Participant deferral / active EE | $1,830 | $3,468-47.2% | $4,654-60.7% | $3,952-53.7% |
| Admin fee / account holder | $7,612 | $5,470+39.2% | $6,755+12.7% | $6,261+21.6% |