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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 | $21,600 | $59,054-63.4% | $97,197-77.8% | $77,714-72.2% |
| Participation rate | 27.3% | 67.9%-40.5pp | 72.7%-45.3pp | 70.6%-43.2pp |
| Annual return | 16.08% | 16.96%-0.9pp | 75.47%-59.4pp | 31.26%-15.2pp |
| Employer contribution / active EE | $596 | $1,742-65.8% | $2,723-78.1% | $2,727-78.1% |
| Participant deferral / active EE | $1,254 | $3,930-68.1% | $4,263-70.6% | $4,649-73.0% |
| Admin fee / account holder | $3,225 | $346+831.5% | $5,637-42.8% | $433+644.3% |