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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 | $39,604 | $45,050-12.1% | $63,018-37.2% | $70,126-43.5% |
| Participation rate | 38.3% | 69.5%-31.2pp | 74.8%-36.5pp | 69.5%-31.2pp |
| Annual return | 15.52% | 18.76%-3.2pp | 87.62%-72.1pp | 73.15%-57.6pp |
| Employer contribution / active EE | $499 | $2,052-75.7% | $2,761-81.9% | $2,343-78.7% |
| Participant deferral / active EE | $1,627 | $2,466-34.0% | $3,330-51.1% | $3,332-51.2% |
| Admin fee / account holder | $3,697 | $2,834+30.5% | $3,601+2.7% | $4,645-20.4% |