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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 | $37,063 | $68,878-46.2% | $120,574-69.3% | $80,935-54.2% |
| Participation rate | 42.5% | 61.7%-19.2pp | 71.9%-29.4pp | 67.7%-25.2pp |
| Annual return | 14.60% | 23.67%-9.1pp | 107.42%-92.8pp | 35.66%-21.1pp |
| Employer contribution / active EE | $1,670 | $2,065-19.1% | $3,471-51.9% | $2,757-39.4% |
| Participant deferral / active EE | $3,250 | $3,189+1.9% | $4,996-35.0% | $4,299-24.4% |
| Admin fee / account holder | $1,401 | $5,782-75.8% | $9,445-85.2% | $6,924-79.8% |