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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 | $33,425 | $67,411-50.4% | $91,004-63.3% | $70,126-52.3% |
| Participation rate | 68.1% | 71.4%-3.3pp | 75.6%-7.5pp | 69.5%-1.5pp |
| Annual return | 14.91% | -40.16%+55.1pp | 4.60%+10.3pp | 73.15%-58.2pp |
| Employer contribution / active EE | $499 | $1,786-72.1% | $2,456-79.7% | $2,343-78.7% |
| Participant deferral / active EE | $2,280 | $2,823-19.2% | $3,548-35.7% | $3,332-31.6% |
| Admin fee / account holder | $4,607 | $4,236+8.8% | $5,417-15.0% | $4,645-0.8% |