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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 | $43,022 | $77,574-44.5% | $108,753-60.4% | $86,983-50.5% |
| Participation rate | 56.5% | 62.3%-5.8pp | 71.1%-14.6pp | 69.5%-13.1pp |
| Annual return | 26.78% | 18.42%+8.4pp | 37.47%-10.7pp | 25.83%+0.9pp |
| Employer contribution / active EE | $399 | $1,611-75.2% | $2,427-83.5% | $2,584-84.5% |
| Participant deferral / active EE | $2,372 | $3,128-24.2% | $4,115-42.4% | $4,194-43.4% |
| Admin fee / account holder | $2,993 | $6,529-54.2% | $10,320-71.0% | $7,856-61.9% |