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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 | $31,945 | $58,099-45.0% | $76,902-58.5% | $75,177-57.5% |
| Participation rate | 58.8% | 63.9%-5.1pp | 69.6%-10.9pp | 67.2%-8.5pp |
| Annual return | 18.05% | 26.71%-8.7pp | 37.91%-19.9pp | 160.75%-142.7pp |
| Employer contribution / active EE | $693 | $1,996-65.3% | $2,534-72.6% | $2,671-74.0% |
| Participant deferral / active EE | $1,715 | $2,999-42.8% | $3,833-55.3% | $4,126-58.4% |
| Admin fee / account holder | $3,486 | $4,778-27.0% | $5,479-36.4% | $5,651-38.3% |