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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 | $34,201 | $54,541-37.3% | $78,778-56.6% | $70,124-51.2% |
| Participation rate | 50.0% | 60.8%-10.8pp | 69.2%-19.2pp | 69.5%-19.5pp |
| Annual return | 13.04% | 21.07%-8.0pp | 35.62%-22.6pp | 73.14%-60.1pp |
| Employer contribution / active EE | $358 | $1,089-67.1% | $1,986-82.0% | $2,342-84.7% |
| Participant deferral / active EE | $2,078 | $2,210-6.0% | $2,958-29.8% | $3,332-37.6% |
| Admin fee / account holder | $6,754 | $3,709+82.1% | $5,134+31.6% | $4,645+45.4% |