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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 | $34,696 | $78,690-55.9% | $161,489-78.5% | $87,485-60.3% |
| Participation rate | 31.5% | 67.5%-36.0pp | 78.7%-47.2pp | 68.9%-37.5pp |
| Annual return | 23.75% | 32.74%-9.0pp | 89.72%-66.0pp | 26.06%-2.3pp |
| Employer contribution / active EE | $1,361 | $2,588-47.4% | $4,268-68.1% | $2,596-47.6% |
| Participant deferral / active EE | $3,087 | $3,311-6.8% | $5,630-45.2% | $4,274-27.8% |
| Admin fee / account holder | $734 | $6,724-89.1% | $16,006-95.4% | $7,775-90.6% |