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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 | $32,098 | $65,364-50.9% | $92,909-65.5% | $72,975-56.0% |
| Participation rate | 37.2% | 68.3%-31.1pp | 76.0%-38.8pp | 69.5%-32.3pp |
| Annual return | 60.06% | 42.11%+18.0pp | 109.44%-49.4pp | 81.01%-21.0pp |
| Employer contribution / active EE | $956 | $2,594-63.2% | $3,653-73.8% | $2,440-60.8% |
| Participant deferral / active EE | $1,757 | $3,128-43.8% | $4,238-58.5% | $3,608-51.3% |
| Admin fee / account holder | $1,437 | $4,251-66.2% | $5,795-75.2% | $5,124-72.0% |