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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 | $37,028 | $67,602-45.2% | $82,312-55.0% | $70,126-47.2% |
| Participation rate | 62.5% | 72.8%-10.3pp | 76.9%-14.4pp | 69.5%-7.0pp |
| Annual return | 16.90% | 21.57%-4.7pp | 25.88%-9.0pp | 73.15%-56.2pp |
| Employer contribution / active EE | $974 | $1,755-44.5% | $2,428-59.9% | $2,343-58.4% |
| Participant deferral / active EE | $2,254 | $2,987-24.6% | $3,706-39.2% | $3,332-32.4% |
| Admin fee / account holder | $1,638 | $4,512-63.7% | $5,608-70.8% | $4,645-64.7% |