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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 | $40,722 | $67,602-39.8% | $82,312-50.5% | $70,126-41.9% |
| Participation rate | 54.5% | 72.8%-18.2pp | 76.9%-22.3pp | 69.5%-15.0pp |
| Annual return | 17.22% | 21.57%-4.3pp | 25.88%-8.7pp | 73.15%-55.9pp |
| Employer contribution / active EE | $687 | $1,755-60.9% | $2,428-71.7% | $2,343-70.7% |
| Participant deferral / active EE | $1,930 | $2,987-35.4% | $3,706-47.9% | $3,332-42.1% |
| Admin fee / account holder | $2,680 | $4,512-40.6% | $5,608-52.2% | $4,645-42.3% |