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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 | $78,690-55.3% | $161,489-78.2% | $87,485-59.8% |
| Participation rate | 31.1% | 67.5%-36.4pp | 78.7%-47.6pp | 68.9%-37.8pp |
| Annual return | 14.16% | 32.74%-18.6pp | 89.72%-75.6pp | 26.06%-11.9pp |
| Employer contribution / active EE | $679 | $2,588-73.8% | $4,268-84.1% | $2,596-73.8% |
| Participant deferral / active EE | $1,210 | $3,311-63.5% | $5,630-78.5% | $4,274-71.7% |
| Admin fee / account holder | $4,106 | $6,724-38.9% | $16,006-74.3% | $7,775-47.2% |