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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 | $57,575-39.5% | $124,067-71.9% | $86,983-59.9% |
| Participation rate | 46.7% | 62.3%-15.6pp | 66.9%-20.2pp | 69.5%-22.9pp |
| Annual return | 21.40% | 19.65%+1.8pp | 31.06%-9.7pp | 25.83%-4.4pp |
| Employer contribution / active EE | $862 | $1,615-46.6% | $2,166-60.2% | $2,584-66.6% |
| Participant deferral / active EE | $3,593 | $2,623+37.0% | $3,463+3.7% | $4,194-14.3% |
| Admin fee / account holder | $486 | $8,506-94.3% | $7,351-93.4% | $7,856-93.8% |