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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 | $33,593 | $75,541-55.5% | $152,093-77.9% | $82,637-59.3% |
| Participation rate | 48.4% | 66.5%-18.2pp | 77.8%-29.4pp | 68.1%-19.7pp |
| Annual return | 15.38% | 32.56%-17.2pp | 66.36%-51.0pp | 53.51%-38.1pp |
| Employer contribution / active EE | $712 | $2,622-72.8% | $4,175-82.9% | $2,552-72.1% |
| Participant deferral / active EE | $1,835 | $3,206-42.8% | $5,451-66.3% | $4,126-55.5% |
| Admin fee / account holder | $1,904 | $6,405-70.3% | $14,497-86.9% | $7,339-74.1% |