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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 | $32,933 | $67,776-51.4% | $90,312-63.5% | $65,306-49.6% |
| Participation rate | 54.5% | 58.1%-3.7pp | 72.9%-18.4pp | 57.7%-3.2pp |
| Annual return | 12.81% | 16.62%-3.8pp | 18.90%-6.1pp | 21.94%-9.1pp |
| Employer contribution / active EE | $872 | $2,195-60.3% | $2,243-61.1% | $1,967-55.7% |
| Participant deferral / active EE | $2,353 | $2,641-10.9% | $3,749-37.2% | $2,959-20.5% |
| Admin fee / account holder | $9,716 | $3,322+192.5% | $8,248+17.8% | $3,480+179.2% |