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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 | $34,625 | $73,787-53.1% | $98,716-64.9% | $82,448-58.0% |
| Participation rate | 53.0% | 61.4%-8.4pp | 69.3%-16.3pp | 68.1%-15.0pp |
| Annual return | 14.25% | 18.57%-4.3pp | 31.81%-17.6pp | 41.64%-27.4pp |
| Employer contribution / active EE | $389 | $1,511-74.3% | $2,279-82.9% | $2,551-84.8% |
| Participant deferral / active EE | $2,983 | $3,081-3.2% | $4,048-26.3% | $4,139-27.9% |
| Admin fee / account holder | $2,822 | $6,500-56.6% | $8,703-67.6% | $7,234-61.0% |