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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 | $32,163 | $51,222-37.2% | $70,544-54.4% | $75,173-57.2% |
| Participation rate | 43.5% | 61.0%-17.5pp | 68.4%-24.9pp | 67.2%-23.7pp |
| Annual return | 15.42% | 30.06%-14.6pp | 32.79%-17.4pp | 160.72%-145.3pp |
| Employer contribution / active EE | $862 | $1,827-52.8% | $2,976-71.0% | $2,671-67.7% |
| Participant deferral / active EE | $2,561 | $2,850-10.2% | $4,568-43.9% | $4,126-37.9% |
| Admin fee / account holder | $2,171 | $4,096-47.0% | $6,427-66.2% | $5,651-61.6% |