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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 | $24,088 | $74,535-67.7% | $100,712-76.1% | $82,637-70.9% |
| Participation rate | 45.3% | 61.2%-15.9pp | 69.3%-24.0pp | 68.1%-22.7pp |
| Annual return | 32.93% | 18.92%+14.0pp | 33.27%-0.3pp | 53.51%-20.6pp |
| Employer contribution / active EE | $981 | $1,503-34.7% | $2,313-57.6% | $2,552-61.6% |
| Participant deferral / active EE | $1,752 | $3,074-43.0% | $4,085-57.1% | $4,126-57.5% |
| Admin fee / account holder | $1,122 | $6,576-82.9% | $9,256-87.9% | $7,339-84.7% |