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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 | $33,659 | $67,894-50.4% | $89,340-62.3% | $82,448-59.2% |
| Participation rate | 45.5% | 64.0%-18.6pp | 69.6%-24.1pp | 68.1%-22.6pp |
| Annual return | 18.54% | 19.21%-0.7pp | 20.57%-2.0pp | 41.64%-23.1pp |
| Employer contribution / active EE | $940 | $1,828-48.6% | $2,231-57.9% | $2,551-63.1% |
| Participant deferral / active EE | $2,158 | $3,072-29.8% | $3,823-43.5% | $4,139-47.9% |
| Admin fee / account holder | $1,559 | $5,723-72.8% | $6,704-76.7% | $7,234-78.5% |