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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 | $30,108 | $61,390-51.0% | $112,228-73.2% | $75,177-60.0% |
| Participation rate | 25.5% | 61.6%-36.2pp | 72.4%-47.0pp | 67.2%-41.8pp |
| Annual return | 13.10% | 28.47%-15.4pp | 30.23%-17.1pp | 160.75%-147.7pp |
| Employer contribution / active EE | $1,075 | $2,015-46.6% | $3,432-68.7% | $2,671-59.8% |
| Participant deferral / active EE | $1,431 | $3,108-54.0% | $4,800-70.2% | $4,126-65.3% |
| Admin fee / account holder | $3,940 | $4,862-19.0% | $7,752-49.2% | $5,651-30.3% |