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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 | $37,056 | $43,496-14.8% | $161,489-77.1% | $64,340-42.4% |
| Participation rate | 43.7% | 53.5%-9.8pp | 78.7%-35.0pp | 55.2%-11.6pp |
| Annual return | 20.09% | 20.76%-0.7pp | 89.72%-69.6pp | 24.14%-4.1pp |
| Employer contribution / active EE | $897 | $1,431-37.3% | $4,268-79.0% | $1,862-51.8% |
| Participant deferral / active EE | $1,808 | $1,996-9.4% | $5,630-67.9% | $2,980-39.3% |
| Admin fee / account holder | $3,340 | $2,330+43.3% | $16,006-79.1% | $3,703-9.8% |