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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 | $29,277 | $67,411-56.6% | $91,004-67.8% | $70,126-58.3% |
| Participation rate | 40.0% | 71.4%-31.4pp | 75.6%-35.6pp | 69.5%-29.5pp |
| Annual return | 14.73% | -40.16%+54.9pp | 4.60%+10.1pp | 73.15%-58.4pp |
| Employer contribution / active EE | $545 | $1,786-69.5% | $2,456-77.8% | $2,343-76.7% |
| Participant deferral / active EE | $1,327 | $2,823-53.0% | $3,548-62.6% | $3,332-60.2% |
| Admin fee / account holder | $504 | $4,236-88.1% | $5,417-90.7% | $4,645-89.2% |