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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 | $28,512 | $63,082-54.8% | $81,716-65.1% | $79,852-64.3% |
| Participation rate | 34.0% | 67.5%-33.5pp | 72.0%-38.0pp | 69.6%-35.6pp |
| Annual return | 17.15% | 22.66%-5.5pp | 29.49%-12.3pp | 31.72%-14.6pp |
| Employer contribution / active EE | $648 | $1,795-63.9% | $4,310-85.0% | $2,471-73.8% |
| Participant deferral / active EE | $1,608 | $2,780-42.2% | $7,108-77.4% | $3,740-57.0% |
| Admin fee / account holder | $5,116 | $4,428+15.5% | $5,159-0.8% | $5,306-3.6% |