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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 | $27,237 | $52,580-48.2% | $71,671-62.0% | $70,126-61.2% |
| Participation rate | 50.0% | 60.9%-10.9pp | 68.7%-18.7pp | 69.5%-19.5pp |
| Annual return | 13.66% | 20.25%-6.6pp | 20.65%-7.0pp | 73.15%-59.5pp |
| Employer contribution / active EE | $733 | $1,616-54.6% | $2,460-70.2% | $2,343-68.7% |
| Participant deferral / active EE | $2,627 | $2,386+10.1% | $3,438-23.6% | $3,332-21.2% |
| Admin fee / account holder | $4,276 | $3,653+17.1% | $5,558-23.1% | $4,645-7.9% |