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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 | $39,493 | $67,602-41.6% | $82,312-52.0% | $70,126-43.7% |
| Participation rate | 67.1% | 72.8%-5.7pp | 76.9%-9.8pp | 69.5%-2.4pp |
| Annual return | 15.55% | 21.57%-6.0pp | 25.88%-10.3pp | 73.15%-57.6pp |
| Employer contribution / active EE | $736 | $1,755-58.1% | $2,428-69.7% | $2,343-68.6% |
| Participant deferral / active EE | $1,924 | $2,987-35.6% | $3,706-48.1% | $3,332-42.2% |
| Admin fee / account holder | $1,605 | $4,512-64.4% | $5,608-71.4% | $4,645-65.4% |