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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 | $33,706 | $36,948-8.8% | $73,658-54.2% | $87,485-61.5% |
| Participation rate | 33.3% | 46.8%-13.5pp | 57.0%-23.7pp | 68.9%-35.6pp |
| Annual return | 17.19% | 28.64%-11.4pp | 29.72%-12.5pp | 26.06%-8.9pp |
| Employer contribution / active EE | $781 | $670+16.5% | $1,032-24.4% | $2,596-69.9% |
| Participant deferral / active EE | $1,036 | $1,379-24.9% | $2,062-49.8% | $4,274-75.8% |
| Admin fee / account holder | $5,014 | $2,531+98.1% | $3,357+49.4% | $7,775-35.5% |