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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 | $42,321 | $43,496-2.7% | $161,489-73.8% | $64,340-34.2% |
| Participation rate | 36.9% | 53.5%-16.6pp | 78.7%-41.8pp | 55.2%-18.4pp |
| Annual return | 18.83% | 20.76%-1.9pp | 89.72%-70.9pp | 24.14%-5.3pp |
| Employer contribution / active EE | $587 | $1,431-59.0% | $4,268-86.2% | $1,862-68.5% |
| Participant deferral / active EE | $1,369 | $1,996-31.4% | $5,630-75.7% | $2,980-54.1% |
| Admin fee / account holder | $1,206 | $2,330-48.3% | $16,006-92.5% | $3,703-67.4% |