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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 | $28,314 | $72,272-60.8% | $101,264-72.0% | $79,858-64.5% |
| Participation rate | 34.3% | 68.5%-34.1pp | 75.8%-41.5pp | 69.6%-35.3pp |
| Annual return | 24.25% | 22.30%+1.9pp | 46.48%-22.2pp | 31.72%-7.5pp |
| Employer contribution / active EE | $842 | $2,692-68.7% | $3,660-77.0% | $2,471-65.9% |
| Participant deferral / active EE | $2,458 | $3,282-25.1% | $4,370-43.7% | $3,740-34.3% |
| Admin fee / account holder | $441 | $4,401-90.0% | $5,947-92.6% | $5,306-91.7% |