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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 | $21,573 | $56,544-61.8% | $75,501-71.4% | $70,124-69.2% |
| Participation rate | 61.8% | 68.1%-6.4pp | 72.4%-10.6pp | 69.5%-7.8pp |
| Annual return | 12.62% | 23.59%-11.0pp | 27.35%-14.7pp | 73.14%-60.5pp |
| Employer contribution / active EE | $597 | $1,817-67.1% | $2,352-74.6% | $2,342-74.5% |
| Participant deferral / active EE | $1,313 | $2,580-49.1% | $3,142-58.2% | $3,332-60.6% |
| Admin fee / account holder | $6,899 | $3,827+80.3% | $5,801+18.9% | $4,645+48.5% |