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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 | $28,924 | $54,763-47.2% | $90,324-68.0% | $72,976-60.4% |
| Participation rate | 36.4% | 65.2%-28.8pp | 73.3%-36.9pp | 69.5%-33.1pp |
| Annual return | 18.80% | 30.63%-11.8pp | 78.15%-59.4pp | 81.02%-62.2pp |
| Employer contribution / active EE | $390 | $2,093-81.4% | $2,856-86.3% | $2,440-84.0% |
| Participant deferral / active EE | $1,573 | $2,887-45.5% | $3,885-59.5% | $3,608-56.4% |
| Admin fee / account holder | $4,863 | $3,973+22.4% | $5,356-9.2% | $5,124-5.1% |