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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 | $33,598 | $81,331-58.7% | $155,534-78.4% | $80,935-58.5% |
| Participation rate | 29.7% | 66.3%-36.6pp | 78.2%-48.5pp | 67.7%-38.0pp |
| Annual return | 15.46% | 33.37%-17.9pp | 64.92%-49.5pp | 35.66%-20.2pp |
| Employer contribution / active EE | $755 | $3,105-75.7% | $4,675-83.9% | $2,757-72.6% |
| Participant deferral / active EE | $2,411 | $3,454-30.2% | $5,630-57.2% | $4,299-43.9% |
| Admin fee / account holder | $1,216 | $7,999-84.8% | $15,900-92.4% | $6,924-82.4% |