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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 | $38,223 | $62,672-39.0% | $185,117-79.4% | $70,126-45.5% |
| Participation rate | 23.0% | 63.8%-40.8pp | 77.3%-54.3pp | 69.5%-46.6pp |
| Annual return | 18.07% | 40.79%-22.7pp | 40.50%-22.4pp | 73.15%-55.1pp |
| Employer contribution / active EE | $868 | $1,753-50.5% | $4,182-79.2% | $2,343-63.0% |
| Participant deferral / active EE | $1,549 | $3,272-52.6% | $5,045-69.3% | $3,332-53.5% |
| Admin fee / account holder | $5,535 | $3,932+40.8% | $8,159-32.2% | $4,645+19.2% |