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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 | $29,134 | $58,493-50.2% | $84,023-65.3% | $72,976-60.1% |
| Participation rate | 45.9% | 61.2%-15.3pp | 69.0%-23.1pp | 69.5%-23.5pp |
| Annual return | 20.63% | 28.93%-8.3pp | 71.32%-50.7pp | 81.02%-60.4pp |
| Employer contribution / active EE | $826 | $1,163-29.0% | $1,984-58.4% | $2,440-66.1% |
| Participant deferral / active EE | $1,434 | $2,394-40.1% | $3,239-55.7% | $3,608-60.2% |
| Admin fee / account holder | $1,882 | $4,569-58.8% | $6,102-69.2% | $5,124-63.3% |