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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 | $64,734-49.1% | $90,796-63.7% | $64,097-48.6% |
| Participation rate | 54.5% | 53.2%+1.2pp | 69.5%-15.0pp | 55.2%-0.7pp |
| Annual return | 12.81% | 17.77%-5.0pp | 19.29%-6.5pp | 34.64%-21.8pp |
| Employer contribution / active EE | $872 | $1,703-48.8% | $2,294-62.0% | $1,891-53.9% |
| Participant deferral / active EE | $2,353 | $2,629-10.5% | $3,822-38.4% | $3,080-23.6% |
| Admin fee / account holder | $9,716 | $3,474+179.7% | $7,024+38.3% | $3,454+181.3% |