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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 | $33,170 | $63,845-48.0% | $81,370-59.2% | $80,959-59.0% |
| Participation rate | 53.3% | 63.9%-10.5pp | 69.5%-16.2pp | 67.7%-14.3pp |
| Annual return | 11.25% | 16.37%-5.1pp | 24.85%-13.6pp | 35.67%-24.4pp |
| Employer contribution / active EE | $692 | $1,980-65.0% | $2,464-71.9% | $2,757-74.9% |
| Participant deferral / active EE | $1,990 | $3,093-35.6% | $3,885-48.8% | $4,300-53.7% |
| Admin fee / account holder | $8,277 | $5,688+45.5% | $5,749+44.0% | $6,925+19.5% |