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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 | $25,822 | $72,273-64.3% | $101,275-74.5% | $79,856-67.7% |
| Participation rate | 43.4% | 68.5%-25.1pp | 75.8%-32.4pp | 69.6%-26.2pp |
| Annual return | 24.81% | 22.30%+2.5pp | 46.48%-21.7pp | 31.71%-6.9pp |
| Employer contribution / active EE | $1,158 | $2,691-57.0% | $3,660-68.4% | $2,471-53.1% |
| Participant deferral / active EE | $2,146 | $3,282-34.6% | $4,371-50.9% | $3,741-42.6% |
| Admin fee / account holder | $1,946 | $4,401-55.8% | $5,948-67.3% | $5,306-63.3% |