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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 | $57,216 | $86,938-34.2% | $102,423-44.1% | $80,925-29.3% |
| Participation rate | 33.9% | 72.4%-38.5pp | 76.5%-42.6pp | 67.7%-33.8pp |
| Annual return | 13.01% | 18.89%-5.9pp | 29.42%-16.4pp | 35.65%-22.6pp |
| Employer contribution / active EE | $986 | $2,369-58.4% | $3,023-67.4% | $2,756-64.2% |
| Participant deferral / active EE | $2,361 | $4,120-42.7% | $5,054-53.3% | $4,299-45.1% |
| Admin fee / account holder | $10,257 | $8,053+27.4% | $9,455+8.5% | $6,940+47.8% |