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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 | $41,353 | $81,276-49.1% | $155,574-73.4% | $80,925-48.9% |
| Participation rate | 31.4% | 66.2%-34.8pp | 78.2%-46.8pp | 67.7%-36.2pp |
| Annual return | 28.17% | 33.36%-5.2pp | 64.87%-36.7pp | 35.65%-7.5pp |
| Employer contribution / active EE | $555 | $3,103-82.1% | $4,676-88.1% | $2,756-79.9% |
| Participant deferral / active EE | $6,184 | $3,453+79.1% | $5,629+9.8% | $4,299+43.9% |
| Admin fee / account holder | $2,280 | $7,993-71.5% | $15,914-85.7% | $6,940-67.1% |