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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 | $31,414 | $52,580-40.3% | $71,671-56.2% | $70,126-55.2% |
| Participation rate | 28.6% | 60.9%-32.3pp | 68.7%-40.2pp | 69.5%-41.0pp |
| Annual return | 15.85% | 20.25%-4.4pp | 20.65%-4.8pp | 73.15%-57.3pp |
| Employer contribution / active EE | $355 | $1,616-78.1% | $2,460-85.6% | $2,343-84.9% |
| Participant deferral / active EE | $895 | $2,386-62.5% | $3,438-74.0% | $3,332-73.1% |
| Admin fee / account holder | $2,936 | $3,653-19.6% | $5,558-47.2% | $4,645-36.8% |