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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 | $41,358 | $56,894-27.3% | $84,753-51.2% | $62,881-34.2% |
| Participation rate | 46.2% | 68.5%-22.4pp | 76.6%-30.4pp | 69.3%-23.2pp |
| Annual return | 9.65% | 6.30%+3.3pp | 22.78%-13.1pp | 20.14%-10.5pp |
| Employer contribution / active EE | $502 | $2,400-79.1% | $3,574-86.0% | $2,281-78.0% |
| Participant deferral / active EE | $2,350 | $2,709-13.2% | $3,712-36.7% | $3,203-26.6% |
| Admin fee / account holder | $3,992 | $3,581+11.5% | $5,333-25.1% | $4,296-7.1% |