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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 | $29,434 | $73,787-60.1% | $98,716-70.2% | $82,448-64.3% |
| Participation rate | 45.3% | 61.4%-16.1pp | 69.3%-24.0pp | 68.1%-22.8pp |
| Annual return | 19.59% | 18.57%+1.0pp | 31.81%-12.2pp | 41.64%-22.0pp |
| Employer contribution / active EE | $607 | $1,511-59.8% | $2,279-73.4% | $2,551-76.2% |
| Participant deferral / active EE | $2,994 | $3,081-2.8% | $4,048-26.0% | $4,139-27.7% |
| Admin fee / account holder | $776 | $6,500-88.1% | $8,703-91.1% | $7,234-89.3% |