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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 | $19,264 | $77,814-75.2% | $158,223-87.8% | $86,983-77.9% |
| Participation rate | 51.9% | 68.4%-16.6pp | 79.2%-27.3pp | 69.5%-17.7pp |
| Annual return | 32.74% | 30.54%+2.2pp | 52.09%-19.4pp | 25.83%+6.9pp |
| Employer contribution / active EE | $1,481 | $2,592-42.9% | $4,109-63.9% | $2,584-42.7% |
| Participant deferral / active EE | $3,195 | $3,270-2.3% | $5,467-41.6% | $4,194-23.8% |
| Admin fee / account holder | $359 | $5,879-93.9% | $16,047-97.8% | $7,856-95.4% |