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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 | $34,371 | $47,848-28.2% | $81,473-57.8% | $70,126-51.0% |
| Participation rate | 13.6% | 58.3%-44.6pp | 68.0%-54.3pp | 69.5%-55.9pp |
| Annual return | 24.74% | 27.25%-2.5pp | 38.78%-14.0pp | 73.15%-48.4pp |
| Employer contribution / active EE | $401 | $1,527-73.7% | $2,568-84.4% | $2,343-82.9% |
| Participant deferral / active EE | $876 | $2,453-64.3% | $3,537-75.2% | $3,332-73.7% |
| Admin fee / account holder | $1,258 | $3,145-60.0% | $4,561-72.4% | $4,645-72.9% |