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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 | $33,522 | $86,940-61.4% | $102,434-67.3% | $80,935-58.6% |
| Participation rate | 63.2% | 72.4%-9.2pp | 76.5%-13.3pp | 67.7%-4.4pp |
| Annual return | 14.14% | 18.89%-4.8pp | 29.46%-15.3pp | 35.66%-21.5pp |
| Employer contribution / active EE | $1,625 | $2,370-31.4% | $3,023-46.3% | $2,757-41.1% |
| Participant deferral / active EE | $2,488 | $4,121-39.6% | $5,055-50.8% | $4,299-42.1% |
| Admin fee / account holder | $2,358 | $8,047-70.7% | $9,462-75.1% | $6,924-65.9% |