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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 | $43,928 | $76,407-42.5% | $150,298-70.8% | $82,448-46.7% |
| Participation rate | 69.6% | 66.4%+3.2pp | 77.8%-8.1pp | 68.1%+1.6pp |
| Annual return | 14.16% | 39.99%-25.8pp | 62.79%-48.6pp | 41.64%-27.5pp |
| Employer contribution / active EE | $942 | $2,614-64.0% | $4,154-77.3% | $2,551-63.1% |
| Participant deferral / active EE | $1,996 | $3,214-37.9% | $5,453-63.4% | $4,139-51.8% |
| Admin fee / account holder | $1,785 | $6,352-71.9% | $14,116-87.4% | $7,234-75.3% |