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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 | $36,650 | $83,485-56.1% | $125,192-70.7% | $72,975-49.8% |
| Participation rate | 69.7% | 73.3%-3.6pp | 79.8%-10.1pp | 69.5%+0.2pp |
| Annual return | 21.33% | 25.77%-4.4pp | 43.79%-22.5pp | 81.01%-59.7pp |
| Employer contribution / active EE | $1,351 | $2,346-42.4% | $3,866-65.1% | $2,440-44.7% |
| Participant deferral / active EE | $1,826 | $3,586-49.1% | $4,937-63.0% | $3,608-49.4% |
| Admin fee / account holder | $455 | $5,518-91.8% | $9,704-95.3% | $5,124-91.1% |