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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 | $22,501 | $48,050-53.2% | $96,754-76.7% | $64,340-65.0% |
| Participation rate | 25.0% | 40.6%-15.6pp | 70.3%-45.3pp | 55.2%-30.2pp |
| Annual return | 19.53% | 23.41%-3.9pp | 82.04%-62.5pp | 24.14%-4.6pp |
| Employer contribution / active EE | $629 | $1,204-47.7% | $2,679-76.5% | $1,862-66.2% |
| Participant deferral / active EE | $1,421 | $2,191-35.2% | $4,758-70.1% | $2,980-52.3% |
| Admin fee / account holder | $2,951 | $3,741-21.1% | $8,905-66.9% | $3,703-20.3% |