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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 | $39,162 | $36,948+6.0% | $73,658-46.8% | $87,485-55.2% |
| Participation rate | 16.7% | 46.8%-30.2pp | 57.0%-40.4pp | 68.9%-52.3pp |
| Annual return | 19.42% | 28.64%-9.2pp | 29.72%-10.3pp | 26.06%-6.6pp |
| Employer contribution / active EE | $330 | $670-50.8% | $1,032-68.1% | $2,596-87.3% |
| Participant deferral / active EE | $597 | $1,379-56.7% | $2,062-71.0% | $4,274-86.0% |
| Admin fee / account holder | $2,570 | $2,531+1.6% | $3,357-23.4% | $7,775-66.9% |