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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 | $29,521 | $71,197-58.5% | $93,669-68.5% | $80,925-63.5% |
| Participation rate | 36.7% | 60.4%-23.7pp | 68.7%-32.1pp | 67.7%-31.0pp |
| Annual return | 16.74% | 11.27%+5.5pp | 133.59%-116.9pp | 35.65%-18.9pp |
| Employer contribution / active EE | $405 | $1,565-74.1% | $2,424-83.3% | $2,756-85.3% |
| Participant deferral / active EE | $3,093 | $4,036-23.3% | $4,416-29.9% | $4,299-28.0% |
| Admin fee / account holder | $729 | $6,959-89.5% | $8,291-91.2% | $6,940-89.5% |