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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 | $35,159 | $86,050-59.1% | $189,758-81.5% | $94,015-62.6% |
| Participation rate | 31.1% | 68.9%-37.8pp | 79.8%-48.7pp | 70.8%-39.7pp |
| Annual return | 14.16% | 17.77%-3.6pp | 52.62%-38.5pp | 17.84%-3.7pp |
| Employer contribution / active EE | $679 | $2,819-75.9% | $4,767-85.8% | $2,790-75.7% |
| Participant deferral / active EE | $1,210 | $3,349-63.9% | $5,856-79.3% | $4,249-71.5% |
| Admin fee / account holder | $4,106 | $6,627-38.0% | $20,388-79.9% | $8,951-54.1% |