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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 | $33,216 | $67,411-50.7% | $91,004-63.5% | $70,126-52.6% |
| Participation rate | 54.8% | 71.4%-16.6pp | 75.6%-20.8pp | 69.5%-14.8pp |
| Annual return | 18.04% | -40.16%+58.2pp | 4.60%+13.4pp | 73.15%-55.1pp |
| Employer contribution / active EE | $828 | $1,786-53.6% | $2,456-66.3% | $2,343-64.7% |
| Participant deferral / active EE | $1,750 | $2,823-38.0% | $3,548-50.7% | $3,332-47.5% |
| Admin fee / account holder | $457 | $4,236-89.2% | $5,417-91.6% | $4,645-90.2% |