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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 | $29,213 | $77,920-62.5% | $149,723-80.5% | $75,177-61.1% |
| Participation rate | 35.1% | 65.6%-30.5pp | 78.8%-43.7pp | 67.2%-32.1pp |
| Annual return | 17.77% | 31.72%-14.0pp | 134.50%-116.7pp | 160.75%-143.0pp |
| Employer contribution / active EE | $800 | $3,138-74.5% | $4,821-83.4% | $2,671-70.1% |
| Participant deferral / active EE | $1,039 | $3,411-69.6% | $5,682-81.7% | $4,126-74.8% |
| Admin fee / account holder | $4,479 | $5,951-24.7% | $13,215-66.1% | $5,651-20.7% |