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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 | $42,094 | $72,012-41.5% | $185,808-77.3% | $79,860-47.3% |
| Participation rate | 64.2% | 65.8%-1.6pp | 78.0%-13.9pp | 69.6%-5.5pp |
| Annual return | 11.85% | 23.12%-11.3pp | 35.95%-24.1pp | 31.72%-19.9pp |
| Employer contribution / active EE | $1,236 | $1,965-37.1% | $4,086-69.7% | $2,471-50.0% |
| Participant deferral / active EE | $1,817 | $3,779-51.9% | $5,632-67.7% | $3,740-51.4% |
| Admin fee / account holder | $13,730 | $4,513+204.3% | $9,501+44.5% | $5,306+158.7% |