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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 | $36,663 | $83,485-56.1% | $125,195-70.7% | $72,976-49.8% |
| Participation rate | 53.8% | 73.3%-19.5pp | 79.8%-25.9pp | 69.5%-15.6pp |
| Annual return | 29.62% | 25.77%+3.9pp | 43.79%-14.2pp | 81.02%-51.4pp |
| Employer contribution / active EE | $937 | $2,346-60.0% | $3,866-75.8% | $2,440-61.6% |
| Participant deferral / active EE | $2,054 | $3,586-42.7% | $4,937-58.4% | $3,608-43.1% |
| Admin fee / account holder | $416 | $5,518-92.5% | $9,704-95.7% | $5,124-91.9% |