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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 | $35,542 | $71,197-50.1% | $93,669-62.1% | $80,925-56.1% |
| Participation rate | 52.6% | 60.4%-7.8pp | 68.7%-16.1pp | 67.7%-15.0pp |
| Annual return | 15.43% | 11.27%+4.2pp | 133.59%-118.2pp | 35.65%-20.2pp |
| Employer contribution / active EE | $739 | $1,565-52.7% | $2,424-69.5% | $2,756-73.2% |
| Participant deferral / active EE | $3,429 | $4,036-15.0% | $4,416-22.3% | $4,299-20.2% |
| Admin fee / account holder | $2,466 | $6,959-64.6% | $8,291-70.3% | $6,940-64.5% |