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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 | $34,583 | $81,504-57.6% | $102,437-66.2% | $80,959-57.3% |
| Participation rate | 29.3% | 66.9%-37.5pp | 74.5%-45.2pp | 67.7%-38.3pp |
| Annual return | 32.29% | 25.60%+6.7pp | 24.95%+7.3pp | 35.67%-3.4pp |
| Employer contribution / active EE | $1,049 | $3,104-66.2% | $3,871-72.9% | $2,757-61.9% |
| Participant deferral / active EE | $3,419 | $3,871-11.7% | $5,060-32.4% | $4,300-20.5% |
| Admin fee / account holder | $800 | $6,719-88.1% | $8,388-90.5% | $6,925-88.5% |