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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 | $24,588 | $60,442-59.3% | $96,754-74.6% | $87,485-71.9% |
| Participation rate | 38.1% | 58.7%-20.6pp | 70.3%-32.2pp | 68.9%-30.8pp |
| Annual return | 17.79% | 21.97%-4.2pp | 82.04%-64.3pp | 26.06%-8.3pp |
| Employer contribution / active EE | $424 | $1,691-74.9% | $2,679-84.2% | $2,596-83.7% |
| Participant deferral / active EE | $1,951 | $3,280-40.5% | $4,758-59.0% | $4,274-54.3% |
| Admin fee / account holder | $4,474 | $5,069-11.7% | $8,905-49.8% | $7,775-42.4% |