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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 | $76,834-61.7% | $108,359-72.8% | $87,485-66.4% |
| Participation rate | 45.3% | 61.7%-16.4pp | 70.1%-24.8pp | 68.9%-23.6pp |
| Annual return | 19.59% | 19.09%+0.5pp | 36.89%-17.3pp | 26.06%-6.5pp |
| Employer contribution / active EE | $607 | $1,556-61.0% | $2,399-74.7% | $2,596-76.6% |
| Participant deferral / active EE | $2,994 | $3,100-3.4% | $4,137-27.6% | $4,274-29.9% |
| Admin fee / account holder | $776 | $6,537-88.1% | $9,741-92.0% | $7,775-90.0% |