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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 | $39,108 | $86,940-55.0% | $102,434-61.8% | $80,935-51.7% |
| Participation rate | 44.9% | 72.4%-27.5pp | 76.5%-31.6pp | 67.7%-22.8pp |
| Annual return | 19.36% | 18.89%+0.5pp | 29.46%-10.1pp | 35.66%-16.3pp |
| Employer contribution / active EE | $1,262 | $2,370-46.7% | $3,023-58.3% | $2,757-54.2% |
| Participant deferral / active EE | $3,065 | $4,121-25.6% | $5,055-39.4% | $4,299-28.7% |
| Admin fee / account holder | $801 | $8,047-90.0% | $9,462-91.5% | $6,924-88.4% |