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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 | $29,773 | $67,602-56.0% | $82,312-63.8% | $70,126-57.5% |
| Participation rate | 37.2% | 72.8%-35.6pp | 76.9%-39.7pp | 69.5%-32.3pp |
| Annual return | 17.83% | 21.57%-3.7pp | 25.88%-8.0pp | 73.15%-55.3pp |
| Employer contribution / active EE | $831 | $1,755-52.7% | $2,428-65.8% | $2,343-64.5% |
| Participant deferral / active EE | $2,167 | $2,987-27.5% | $3,706-41.5% | $3,332-35.0% |
| Admin fee / account holder | $3,541 | $4,512-21.5% | $5,608-36.9% | $4,645-23.8% |