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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 | $29,372 | $57,119-48.6% | $85,187-65.5% | $80,935-63.7% |
| Participation rate | 20.9% | 56.4%-35.5pp | 67.5%-46.6pp | 67.7%-46.8pp |
| Annual return | 13.62% | 21.70%-8.1pp | 66.67%-53.0pp | 35.66%-22.0pp |
| Employer contribution / active EE | $380 | $1,802-78.9% | $2,732-86.1% | $2,757-86.2% |
| Participant deferral / active EE | $1,876 | $3,115-39.8% | $4,525-58.5% | $4,299-56.4% |
| Admin fee / account holder | $638 | $4,990-87.2% | $6,162-89.6% | $6,924-90.8% |