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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 | $27,631 | $46,877-41.1% | $122,354-77.4% | $70,126-60.6% |
| Participation rate | 53.6% | 58.2%-4.6pp | 71.6%-18.1pp | 69.5%-16.0pp |
| Annual return | 18.37% | 24.22%-5.8pp | 30.28%-11.9pp | 73.15%-54.8pp |
| Employer contribution / active EE | $436 | $1,288-66.2% | $4,051-89.2% | $2,343-81.4% |
| Participant deferral / active EE | $3,531 | $2,167+62.9% | $3,287+7.4% | $3,332+6.0% |
| Admin fee / account holder | $4,908 | $3,324+47.7% | $5,479-10.4% | $4,645+5.6% |