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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 | $36,892 | $63,861-42.2% | $104,639-64.7% | $79,856-53.8% |
| Participation rate | 39.3% | 64.9%-25.6pp | 74.1%-34.7pp | 69.6%-30.3pp |
| Annual return | 26.24% | 21.30%+4.9pp | 340.67%-314.4pp | 31.71%-5.5pp |
| Employer contribution / active EE | $448 | $1,588-71.8% | $2,682-83.3% | $2,471-81.9% |
| Participant deferral / active EE | $2,046 | $2,693-24.0% | $3,738-45.3% | $3,741-45.3% |
| Admin fee / account holder | $3,926 | $4,185-6.2% | $6,465-39.3% | $5,306-26.0% |