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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 | $34,095 | $68,878-50.5% | $120,574-71.7% | $80,935-57.9% |
| Participation rate | 30.6% | 61.7%-31.0pp | 71.9%-41.3pp | 67.7%-37.0pp |
| Annual return | 12.98% | 23.67%-10.7pp | 107.42%-94.4pp | 35.66%-22.7pp |
| Employer contribution / active EE | $815 | $2,065-60.5% | $3,471-76.5% | $2,757-70.4% |
| Participant deferral / active EE | $1,764 | $3,189-44.7% | $4,996-64.7% | $4,299-59.0% |
| Admin fee / account holder | $4,478 | $5,782-22.5% | $9,445-52.6% | $6,924-35.3% |