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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 | $41,453 | $56,894-27.1% | $84,753-51.1% | $62,881-34.1% |
| Participation rate | 63.2% | 68.5%-5.4pp | 76.6%-13.4pp | 69.3%-6.1pp |
| Annual return | 8.07% | 6.30%+1.8pp | 22.78%-14.7pp | 20.14%-12.1pp |
| Employer contribution / active EE | $457 | $2,400-81.0% | $3,574-87.2% | $2,281-80.0% |
| Participant deferral / active EE | $1,829 | $2,709-32.5% | $3,712-50.7% | $3,203-42.9% |
| Admin fee / account holder | $316 | $3,581-91.2% | $5,333-94.1% | $4,296-92.6% |