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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 | $33,160 | $65,034-49.0% | $90,970-63.5% | $79,856-58.5% |
| Participation rate | 54.7% | 61.6%-6.9pp | 69.0%-14.3pp | 69.6%-15.0pp |
| Annual return | 16.69% | 30.45%-13.8pp | 134.60%-117.9pp | 31.71%-15.0pp |
| Employer contribution / active EE | $2,966 | $1,247+137.8% | $2,122+39.8% | $2,471+20.0% |
| Participant deferral / active EE | $1,248 | $2,512-50.3% | $3,373-63.0% | $3,741-66.6% |
| Admin fee / account holder | $3,992 | $4,536-12.0% | $5,961-33.0% | $5,306-24.8% |