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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 | $18,055 | $67,894-73.4% | $89,340-79.8% | $82,448-78.1% |
| Participation rate | 46.2% | 64.0%-17.9pp | 69.6%-23.4pp | 68.1%-21.9pp |
| Annual return | 16.82% | 19.21%-2.4pp | 20.57%-3.8pp | 41.64%-24.8pp |
| Employer contribution / active EE | $906 | $1,828-50.4% | $2,231-59.4% | $2,551-64.5% |
| Participant deferral / active EE | $2,662 | $3,072-13.4% | $3,823-30.4% | $4,139-35.7% |
| Admin fee / account holder | $973 | $5,723-83.0% | $6,704-85.5% | $7,234-86.5% |