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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 | $24,234 | $54,763-55.7% | $90,324-73.2% | $72,976-66.8% |
| Participation rate | 50.0% | 65.2%-15.2pp | 73.3%-23.3pp | 69.5%-19.5pp |
| Annual return | 35.89% | 30.63%+5.3pp | 78.15%-42.3pp | 81.02%-45.1pp |
| Employer contribution / active EE | $1,357 | $2,093-35.2% | $2,856-52.5% | $2,440-44.4% |
| Participant deferral / active EE | $1,937 | $2,887-32.9% | $3,885-50.1% | $3,608-46.3% |
| Admin fee / account holder | $1,446 | $3,973-63.6% | $5,356-73.0% | $5,124-71.8% |