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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 | $33,580 | $72,607-53.8% | $90,259-62.8% | $87,485-61.6% |
| Participation rate | 18.2% | 64.8%-46.6pp | 70.7%-52.6pp | 68.9%-50.7pp |
| Annual return | 19.45% | 18.59%+0.9pp | 18.88%+0.6pp | 26.06%-6.6pp |
| Employer contribution / active EE | $757 | $1,919-60.6% | $2,291-67.0% | $2,596-70.9% |
| Participant deferral / active EE | $1,358 | $3,055-55.5% | $3,827-64.5% | $4,274-68.2% |
| Admin fee / account holder | $427 | $5,947-92.8% | $7,267-94.1% | $7,775-94.5% |