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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 | $37,656 | $87,180-56.8% | $173,703-78.3% | $94,015-59.9% |
| Participation rate | 20.6% | 65.6%-45.0pp | 75.9%-55.3pp | 70.8%-50.2pp |
| Annual return | 16.93% | 14.17%+2.8pp | 17.46%-0.5pp | 17.84%-0.9pp |
| Employer contribution / active EE | $968 | $2,494-61.2% | $4,288-77.4% | $2,790-65.3% |
| Participant deferral / active EE | $1,804 | $3,343-46.0% | $4,854-62.8% | $4,249-57.5% |
| Admin fee / account holder | $344 | $7,506-95.4% | $15,562-97.8% | $8,951-96.2% |