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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 | $71,230-58.6% | $93,727-68.5% | $80,959-63.5% |
| Participation rate | 36.7% | 60.4%-23.7pp | 68.7%-32.0pp | 67.7%-31.0pp |
| Annual return | 16.74% | 11.26%+5.5pp | 133.83%-117.1pp | 35.67%-18.9pp |
| Employer contribution / active EE | $405 | $1,565-74.2% | $2,421-83.3% | $2,757-85.3% |
| Participant deferral / active EE | $3,093 | $4,037-23.4% | $4,417-30.0% | $4,300-28.1% |
| Admin fee / account holder | $729 | $6,961-89.5% | $8,292-91.2% | $6,925-89.5% |