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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 | $39,098 | $63,845-38.8% | $81,370-52.0% | $80,959-51.7% |
| Participation rate | 39.5% | 63.9%-24.3pp | 69.5%-30.0pp | 67.7%-28.1pp |
| Annual return | 13.38% | 16.37%-3.0pp | 24.85%-11.5pp | 35.67%-22.3pp |
| Employer contribution / active EE | $725 | $1,980-63.4% | $2,464-70.6% | $2,757-73.7% |
| Participant deferral / active EE | $2,178 | $3,093-29.6% | $3,885-44.0% | $4,300-49.4% |
| Admin fee / account holder | $2,030 | $5,688-64.3% | $5,749-64.7% | $6,925-70.7% |