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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 | $33,719 | $58,726-42.6% | $92,240-63.4% | $62,293-45.9% |
| Participation rate | 20.8% | 68.3%-47.6pp | 76.5%-55.7pp | 69.5%-48.7pp |
| Annual return | 20.94% | 43.62%-22.7pp | 176.29%-155.4pp | 28.90%-8.0pp |
| Employer contribution / active EE | $828 | $2,392-65.4% | $3,680-77.5% | $2,042-59.4% |
| Participant deferral / active EE | $1,947 | $2,766-29.6% | $3,897-50.0% | $3,169-38.6% |
| Admin fee / account holder | $451 | $556-19.0% | $5,194-91.3% | $479-5.9% |