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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 | $46,688-20.6% | $189,758-80.5% | $69,733-46.9% |
| Participation rate | 43.7% | 61.7%-18.0pp | 79.8%-36.1pp | 62.5%-18.8pp |
| Annual return | 20.09% | 14.35%+5.7pp | 52.62%-32.5pp | 15.22%+4.9pp |
| Employer contribution / active EE | $897 | $1,695-47.1% | $4,767-81.2% | $2,250-60.1% |
| Participant deferral / active EE | $1,808 | $2,143-15.6% | $5,856-69.1% | $3,054-40.8% |
| Admin fee / account holder | $3,340 | $1,700+96.4% | $20,388-83.6% | $3,102+7.7% |