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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 | $32,013 | $48,364-33.8% | $71,796-55.4% | $62,881-49.1% |
| Participation rate | 28.2% | 60.6%-32.4pp | 69.1%-40.9pp | 69.3%-41.1pp |
| Annual return | 6.53% | 13.16%-6.6pp | 78.04%-71.5pp | 20.14%-13.6pp |
| Employer contribution / active EE | $602 | $1,042-42.2% | $1,924-68.7% | $2,281-73.6% |
| Participant deferral / active EE | $1,245 | $2,091-40.4% | $2,794-55.4% | $3,203-61.1% |
| Admin fee / account holder | $777 | $3,771-79.4% | $4,815-83.9% | $4,296-81.9% |