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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 | $31,491 | $49,024-35.8% | $112,860-72.1% | $87,485-64.0% |
| Participation rate | 13.3% | 62.2%-48.8pp | 66.3%-53.0pp | 68.9%-55.6pp |
| Annual return | 21.78% | 43.86%-22.1pp | 35.26%-13.5pp | 26.06%-4.3pp |
| Employer contribution / active EE | $422 | $1,290-67.3% | $2,206-80.9% | $2,596-83.7% |
| Participant deferral / active EE | $1,177 | $2,209-46.7% | $3,493-66.3% | $4,274-72.4% |
| Admin fee / account holder | $1,403 | $6,266-77.6% | $6,841-79.5% | $7,775-81.9% |