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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 | $25,021 | $57,073-56.2% | $85,126-70.6% | $80,925-69.1% |
| Participation rate | 52.2% | 56.4%-4.2pp | 67.5%-15.3pp | 67.7%-15.5pp |
| Annual return | 13.83% | 21.69%-7.9pp | 66.63%-52.8pp | 35.65%-21.8pp |
| Employer contribution / active EE | $383 | $1,801-78.7% | $2,731-86.0% | $2,756-86.1% |
| Participant deferral / active EE | $1,614 | $3,113-48.2% | $4,523-64.3% | $4,299-62.5% |
| Admin fee / account holder | $711 | $4,988-85.7% | $6,160-88.5% | $6,940-89.7% |