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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 | $31,582 | $81,331-61.2% | $155,534-79.7% | $80,935-61.0% |
| Participation rate | 35.3% | 66.3%-31.0pp | 78.2%-42.9pp | 67.7%-32.4pp |
| Annual return | 12.67% | 33.37%-20.7pp | 64.92%-52.2pp | 35.66%-23.0pp |
| Employer contribution / active EE | $456 | $3,105-85.3% | $4,675-90.2% | $2,757-83.5% |
| Participant deferral / active EE | $1,074 | $3,454-68.9% | $5,630-80.9% | $4,299-75.0% |
| Admin fee / account holder | $1,443 | $7,999-82.0% | $15,900-90.9% | $6,924-79.2% |