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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 | $42,472 | $56,894-25.3% | $84,753-49.9% | $62,881-32.5% |
| Participation rate | 42.1% | 68.5%-26.4pp | 76.6%-34.5pp | 69.3%-27.2pp |
| Annual return | 8.57% | 6.30%+2.3pp | 22.78%-14.2pp | 20.14%-11.6pp |
| Employer contribution / active EE | $524 | $2,400-78.2% | $3,574-85.3% | $2,281-77.0% |
| Participant deferral / active EE | $2,095 | $2,709-22.7% | $3,712-43.6% | $3,203-34.6% |
| Admin fee / account holder | $3,600 | $3,581+0.5% | $5,333-32.5% | $4,296-16.2% |