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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 | $33,677 | $57,590-41.5% | $86,233-60.9% | $82,448-59.2% |
| Participation rate | 29.3% | 57.9%-28.6pp | 69.0%-39.7pp | 68.1%-38.8pp |
| Annual return | 22.64% | 22.41%+0.2pp | 61.39%-38.7pp | 41.64%-19.0pp |
| Employer contribution / active EE | $839 | $1,655-49.3% | $2,504-66.5% | $2,551-67.1% |
| Participant deferral / active EE | $2,327 | $3,080-24.4% | $4,559-49.0% | $4,139-43.8% |
| Admin fee / account holder | $8,375 | $4,730+77.0% | $8,342+0.4% | $7,234+15.8% |