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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 | $33,449 | $67,411-50.4% | $91,004-63.2% | $70,126-52.3% |
| Participation rate | 56.8% | 71.4%-14.6pp | 75.6%-18.8pp | 69.5%-12.8pp |
| Annual return | 17.67% | -40.16%+57.8pp | 4.60%+13.1pp | 73.15%-55.5pp |
| Employer contribution / active EE | $744 | $1,786-58.3% | $2,456-69.7% | $2,343-68.2% |
| Participant deferral / active EE | $1,641 | $2,823-41.9% | $3,548-53.8% | $3,332-50.8% |
| Admin fee / account holder | $3,032 | $4,236-28.4% | $5,417-44.0% | $4,645-34.7% |