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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 | $28,544 | $39,132-27.1% | $57,196-50.1% | $62,881-54.6% |
| Participation rate | 54.8% | 70.5%-15.6pp | 75.3%-20.5pp | 69.3%-14.5pp |
| Annual return | 9.83% | 9.24%+0.6pp | 14.59%-4.8pp | 20.14%-10.3pp |
| Employer contribution / active EE | $688 | $1,874-63.3% | $2,683-74.4% | $2,281-69.9% |
| Participant deferral / active EE | $2,826 | $2,374+19.0% | $3,096-8.7% | $3,203-11.8% |
| Admin fee / account holder | $3,350 | $2,594+29.2% | $3,141+6.7% | $4,296-22.0% |