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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 | $23,123 | $65,712-64.8% | $57,196-59.6% | $273,972-91.6% |
| Participation rate | 31.6% | 78.3%-46.8pp | 75.3%-43.8pp | 83.0%-51.4pp |
| Annual return | 8.31% | 22.01%-13.7pp | 14.59%-6.3pp | 41.46%-33.1pp |
| Employer contribution / active EE | $2,166 | $3,280-34.0% | $2,683-19.3% | $4,869-55.5% |
| Participant deferral / active EE | $3,021 | $3,782-20.1% | $3,096-2.4% | $5,287-42.9% |
| Admin fee / account holder | $2,286 | $4,838-52.7% | $3,141-27.2% | $10,133-77.4% |