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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 | $75,720-55.7% | $90,312-62.8% | $86,983-61.4% |
| Participation rate | 18.2% | 66.3%-48.1pp | 72.9%-54.7pp | 69.5%-51.4pp |
| Annual return | 19.45% | 18.55%+0.9pp | 18.90%+0.6pp | 25.83%-6.4pp |
| Employer contribution / active EE | $757 | $1,945-61.1% | $2,243-66.3% | $2,584-70.7% |
| Participant deferral / active EE | $1,358 | $3,001-54.7% | $3,749-63.8% | $4,194-67.6% |
| Admin fee / account holder | $427 | $6,201-93.1% | $8,248-94.8% | $7,856-94.6% |