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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 | $37,376 | $41,016-8.9% | $152,093-75.4% | $64,097-41.7% |
| Participation rate | 40.7% | 51.3%-10.6pp | 77.8%-37.1pp | 55.2%-14.5pp |
| Annual return | 25.31% | 39.60%-14.3pp | 66.36%-41.0pp | 34.64%-9.3pp |
| Employer contribution / active EE | $1,475 | $1,342+9.9% | $4,175-64.7% | $1,891-22.0% |
| Participant deferral / active EE | $3,527 | $1,927+83.0% | $5,451-35.3% | $3,080+14.5% |
| Admin fee / account holder | $596 | $2,305-74.2% | $14,497-95.9% | $3,454-82.8% |