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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 | $37,143 | $50,919-27.1% | $155,556-76.1% | $77,762-52.2% |
| Participation rate | 23.5% | 63.1%-39.6pp | 78.2%-54.7pp | 70.6%-47.1pp |
| Annual return | 15.06% | 34.84%-19.8pp | 64.84%-49.8pp | 31.27%-16.2pp |
| Employer contribution / active EE | $1,275 | $1,991-36.0% | $4,675-72.7% | $2,728-53.3% |
| Participant deferral / active EE | $2,206 | $2,824-21.9% | $5,631-60.8% | $4,651-52.6% |
| Admin fee / account holder | $2,343 | $437+436.5% | $15,885-85.2% | $433+441.3% |