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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 | $43,733 | $63,845-31.5% | $81,370-46.3% | $80,959-46.0% |
| Participation rate | 19.8% | 63.9%-44.1pp | 69.5%-49.8pp | 67.7%-47.9pp |
| Annual return | 33.97% | 16.37%+17.6pp | 24.85%+9.1pp | 35.67%-1.7pp |
| Employer contribution / active EE | $745 | $1,980-62.4% | $2,464-69.8% | $2,757-73.0% |
| Participant deferral / active EE | $1,946 | $3,093-37.1% | $3,885-49.9% | $4,300-54.8% |
| Admin fee / account holder | $1,177 | $5,688-79.3% | $5,749-79.5% | $6,925-83.0% |