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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 | $35,458 | $46,732-24.1% | $156,551-77.4% | $55,167-35.7% |
| Participation rate | 21.4% | 65.8%-44.4pp | 84.0%-62.6pp | 69.0%-47.6pp |
| Annual return | 7.35% | 17.72%-10.4pp | 32.23%-24.9pp | 169.23%-161.9pp |
| Employer contribution / active EE | $415 | $2,105-80.3% | $5,501-92.5% | $1,963-78.9% |
| Participant deferral / active EE | $1,480 | $2,204-32.8% | $4,871-69.6% | $3,054-51.5% |
| Admin fee / account holder | $693 | $418+65.7% | $13,028-94.7% | $504+37.6% |