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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 | $30,978 | $65,246-52.5% | $98,716-68.6% | $67,986-54.4% |
| Participation rate | 26.2% | 51.4%-25.2pp | 69.3%-43.1pp | 57.2%-31.0pp |
| Annual return | 22.93% | 20.58%+2.3pp | 31.81%-8.9pp | 31.67%-8.7pp |
| Employer contribution / active EE | $662 | $1,042-36.4% | $2,279-70.9% | $2,019-67.2% |
| Participant deferral / active EE | $1,134 | $2,594-56.3% | $4,048-72.0% | $3,358-66.2% |
| Admin fee / account holder | $481 | $4,561-89.5% | $8,703-94.5% | $3,203-85.0% |