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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 | $34,860 | $49,024-28.9% | $112,860-69.1% | $87,485-60.2% |
| Participation rate | 46.7% | 62.2%-15.5pp | 66.3%-19.7pp | 68.9%-22.3pp |
| Annual return | 21.40% | 43.86%-22.5pp | 35.26%-13.9pp | 26.06%-4.7pp |
| Employer contribution / active EE | $862 | $1,290-33.2% | $2,206-60.9% | $2,596-66.8% |
| Participant deferral / active EE | $3,593 | $2,209+62.7% | $3,493+2.9% | $4,274-15.9% |
| Admin fee / account holder | $486 | $6,266-92.3% | $6,841-92.9% | $7,775-93.8% |