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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 | $27,534 | $60,349-54.4% | $74,184-62.9% | $62,881-56.2% |
| Participation rate | 45.2% | 72.7%-27.6pp | 76.6%-31.5pp | 69.3%-24.1pp |
| Annual return | 32.79% | 21.38%+11.4pp | 17.74%+15.1pp | 20.14%+12.6pp |
| Employer contribution / active EE | $884 | $1,680-47.4% | $2,370-62.7% | $2,281-61.2% |
| Participant deferral / active EE | $3,533 | $2,856+23.7% | $3,550-0.5% | $3,203+10.3% |
| Admin fee / account holder | $4,258 | $4,261-0.1% | $5,586-23.8% | $4,296-0.9% |