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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 | $36,350 | $56,894-36.1% | $84,753-57.1% | $62,881-42.2% |
| Participation rate | 35.9% | 68.5%-32.6pp | 76.6%-40.7pp | 69.3%-33.4pp |
| Annual return | 8.33% | 6.30%+2.0pp | 22.78%-14.5pp | 20.14%-11.8pp |
| Employer contribution / active EE | $873 | $2,400-63.6% | $3,574-75.6% | $2,281-61.7% |
| Participant deferral / active EE | $1,874 | $2,709-30.8% | $3,712-49.5% | $3,203-41.5% |
| Admin fee / account holder | $1,889 | $3,581-47.2% | $5,333-64.6% | $4,296-56.0% |