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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 | $33,146 | $65,027-49.0% | $90,970-63.6% | $79,852-58.5% |
| Participation rate | 63.0% | 61.6%+1.4pp | 69.0%-6.1pp | 69.6%-6.7pp |
| Annual return | 19.49% | 30.45%-11.0pp | 134.58%-115.1pp | 31.72%-12.2pp |
| Employer contribution / active EE | $569 | $1,247-54.3% | $2,122-73.2% | $2,471-77.0% |
| Participant deferral / active EE | $1,662 | $2,512-33.8% | $3,373-50.7% | $3,740-55.6% |
| Admin fee / account holder | $1,544 | $4,535-66.0% | $5,960-74.1% | $5,306-70.9% |