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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 | $38,825 | $72,486-46.4% | $87,103-55.4% | $72,976-46.8% |
| Participation rate | 49.2% | 72.8%-23.6pp | 76.9%-27.6pp | 69.5%-20.3pp |
| Annual return | 22.26% | 24.46%-2.2pp | 28.19%-5.9pp | 81.02%-58.8pp |
| Employer contribution / active EE | $922 | $1,894-51.3% | $2,521-63.4% | $2,440-62.2% |
| Participant deferral / active EE | $2,802 | $3,270-14.3% | $4,049-30.8% | $3,608-22.3% |
| Admin fee / account holder | $6,912 | $5,055+36.8% | $7,491-7.7% | $5,124+34.9% |