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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 | $76,834-51.0% | $108,359-65.3% | $87,485-57.0% |
| Participation rate | 54.5% | 61.7%-7.2pp | 70.1%-15.6pp | 68.9%-14.4pp |
| Annual return | 19.58% | 19.09%+0.5pp | 36.89%-17.3pp | 26.06%-6.5pp |
| Employer contribution / active EE | $721 | $1,556-53.7% | $2,399-69.9% | $2,596-72.2% |
| Participant deferral / active EE | $3,032 | $3,100-2.2% | $4,137-26.7% | $4,274-29.1% |
| Admin fee / account holder | $1,503 | $6,537-77.0% | $9,741-84.6% | $7,775-80.7% |