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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 | $67,894-50.5% | $89,340-62.4% | $82,448-59.3% |
| Participation rate | 18.2% | 64.0%-45.9pp | 69.6%-51.4pp | 68.1%-49.9pp |
| Annual return | 19.45% | 19.21%+0.2pp | 20.57%-1.1pp | 41.64%-22.2pp |
| Employer contribution / active EE | $757 | $1,828-58.6% | $2,231-66.1% | $2,551-70.3% |
| Participant deferral / active EE | $1,358 | $3,072-55.8% | $3,823-64.5% | $4,139-67.2% |
| Admin fee / account holder | $427 | $5,723-92.5% | $6,704-93.6% | $7,234-94.1% |