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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 | $41,016-9.7% | $152,093-75.6% | $64,097-42.2% |
| Participation rate | 43.7% | 51.3%-7.7pp | 77.8%-34.1pp | 55.2%-11.5pp |
| Annual return | 20.09% | 39.60%-19.5pp | 66.36%-46.3pp | 34.64%-14.6pp |
| Employer contribution / active EE | $897 | $1,342-33.1% | $4,175-78.5% | $1,891-52.6% |
| Participant deferral / active EE | $1,808 | $1,927-6.2% | $5,451-66.8% | $3,080-41.3% |
| Admin fee / account holder | $3,340 | $2,305+44.9% | $14,497-77.0% | $3,454-3.3% |