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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 | $44,867 | $56,894-21.1% | $84,753-47.1% | $62,881-28.6% |
| Participation rate | 41.7% | 68.5%-26.9pp | 76.6%-34.9pp | 69.3%-27.6pp |
| Annual return | 7.10% | 6.30%+0.8pp | 22.78%-15.7pp | 20.14%-13.0pp |
| Employer contribution / active EE | $876 | $2,400-63.5% | $3,574-75.5% | $2,281-61.6% |
| Participant deferral / active EE | $1,963 | $2,709-27.6% | $3,712-47.1% | $3,203-38.7% |
| Admin fee / account holder | $1,289 | $3,581-64.0% | $5,333-75.8% | $4,296-70.0% |