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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 | $20,965 | $58,493-64.2% | $84,023-75.0% | $72,976-71.3% |
| Participation rate | 34.8% | 61.2%-26.4pp | 69.0%-34.2pp | 69.5%-34.7pp |
| Annual return | 22.72% | 28.93%-6.2pp | 71.32%-48.6pp | 81.02%-58.3pp |
| Employer contribution / active EE | $476 | $1,163-59.1% | $1,984-76.0% | $2,440-80.5% |
| Participant deferral / active EE | $1,226 | $2,394-48.8% | $3,239-62.1% | $3,608-66.0% |
| Admin fee / account holder | $1,539 | $4,569-66.3% | $6,102-74.8% | $5,124-70.0% |