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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 | $33,318 | $49,255-32.4% | $70,494-52.7% | $79,856-58.3% |
| Participation rate | 27.6% | 69.2%-41.6pp | 75.1%-47.5pp | 69.6%-42.1pp |
| Annual return | 24.78% | 30.10%-5.3pp | 109.16%-84.4pp | 31.71%-6.9pp |
| Employer contribution / active EE | $732 | $2,100-65.1% | $2,738-73.3% | $2,471-70.4% |
| Participant deferral / active EE | $2,180 | $2,768-21.3% | $3,711-41.3% | $3,741-41.7% |
| Admin fee / account holder | $2,743 | $2,879-4.7% | $3,848-28.7% | $5,306-48.3% |