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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 | $30,021 | $71,197-57.8% | $93,669-67.9% | $80,925-62.9% |
| Participation rate | 35.8% | 60.4%-24.6pp | 68.7%-32.9pp | 67.7%-31.8pp |
| Annual return | 11.65% | 11.27%+0.4pp | 133.59%-121.9pp | 35.65%-24.0pp |
| Employer contribution / active EE | $789 | $1,565-49.6% | $2,424-67.4% | $2,756-71.4% |
| Participant deferral / active EE | $1,892 | $4,036-53.1% | $4,416-57.2% | $4,299-56.0% |
| Admin fee / account holder | $4,229 | $6,959-39.2% | $8,291-49.0% | $6,940-39.1% |