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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 | $21,426 | $58,493-63.4% | $84,021-74.5% | $72,975-70.6% |
| Participation rate | 31.0% | 61.2%-30.2pp | 69.0%-38.0pp | 69.5%-38.5pp |
| Annual return | 32.85% | 28.93%+3.9pp | 71.32%-38.5pp | 81.01%-48.2pp |
| Employer contribution / active EE | $397 | $1,163-65.9% | $1,984-80.0% | $2,440-83.7% |
| Participant deferral / active EE | $2,070 | $2,394-13.5% | $3,239-36.1% | $3,608-42.6% |
| Admin fee / account holder | $454 | $4,569-90.1% | $6,102-92.6% | $5,124-91.1% |