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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 | $37,641 | $73,787-49.0% | $98,716-61.9% | $82,448-54.3% |
| Participation rate | 54.5% | 61.4%-6.9pp | 69.3%-14.7pp | 68.1%-13.5pp |
| Annual return | 19.58% | 18.57%+1.0pp | 31.81%-12.2pp | 41.64%-22.1pp |
| Employer contribution / active EE | $721 | $1,511-52.3% | $2,279-68.4% | $2,551-71.7% |
| Participant deferral / active EE | $3,032 | $3,081-1.6% | $4,048-25.1% | $4,139-26.8% |
| Admin fee / account holder | $1,503 | $6,500-76.9% | $8,703-82.7% | $7,234-79.2% |