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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 | $29,573 | $47,848-38.2% | $81,473-63.7% | $70,124-57.8% |
| Participation rate | 35.1% | 58.3%-23.1pp | 68.0%-32.8pp | 69.5%-34.4pp |
| Annual return | 23.86% | 27.25%-3.4pp | 38.78%-14.9pp | 73.14%-49.3pp |
| Employer contribution / active EE | $591 | $1,527-61.3% | $2,568-77.0% | $2,342-74.8% |
| Participant deferral / active EE | $1,085 | $2,453-55.8% | $3,537-69.3% | $3,332-67.4% |
| Admin fee / account holder | $515 | $3,145-83.6% | $4,561-88.7% | $4,645-88.9% |