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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 | $32,918 | $75,963-56.7% | $97,995-66.4% | $70,126-53.1% |
| Participation rate | 45.0% | 77.0%-32.0pp | 82.4%-37.4pp | 69.5%-24.5pp |
| Annual return | 17.54% | 19.26%-1.7pp | 23.94%-6.4pp | 73.15%-55.6pp |
| Employer contribution / active EE | $816 | $3,278-75.1% | $4,158-80.4% | $2,343-65.1% |
| Participant deferral / active EE | $3,810 | $4,053-6.0% | $5,097-25.3% | $3,332+14.3% |
| Admin fee / account holder | $582 | $5,407-89.2% | $5,943-90.2% | $4,645-87.5% |