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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 | $19,355 | $57,352-66.3% | $83,831-76.9% | $64,173-69.8% |
| Participation rate | 59.4% | 68.6%-9.2pp | 76.1%-16.7pp | 69.6%-10.1pp |
| Annual return | 3.52% | 11.38%-7.9pp | 850.99%-847.5pp | 7.63%-4.1pp |
| Employer contribution / active EE | $1,869 | $2,546-26.6% | $3,631-48.5% | $2,381-21.5% |
| Participant deferral / active EE | $3,492 | $2,993+16.7% | $4,082-14.5% | $3,470+0.6% |
| Admin fee / account holder | $1,413 | $4,046-65.1% | $5,479-74.2% | $4,887-71.1% |