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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 | $36,035 | $54,541-33.9% | $78,778-54.3% | $70,126-48.6% |
| Participation rate | 47.3% | 60.8%-13.5pp | 69.2%-21.9pp | 69.5%-22.2pp |
| Annual return | 17.87% | 21.07%-3.2pp | 35.62%-17.7pp | 73.15%-55.3pp |
| Employer contribution / active EE | $271 | $1,089-75.1% | $1,986-86.4% | $2,343-88.4% |
| Participant deferral / active EE | $1,306 | $2,210-40.9% | $2,958-55.9% | $3,332-60.8% |
| Admin fee / account holder | $982 | $3,709-73.5% | $5,134-80.9% | $4,645-78.9% |