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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 | $19,886 | $51,895-61.7% | $93,063-78.6% | $79,634-75.0% |
| Participation rate | 22.8% | 52.6%-29.7pp | 72.1%-49.3pp | 62.5%-39.6pp |
| Annual return | 17.72% | 18.14%-0.4pp | 34.15%-16.4pp | 36.46%-18.7pp |
| Employer contribution / active EE | $410 | $1,561-73.7% | $2,476-83.4% | $2,529-83.8% |
| Participant deferral / active EE | $907 | $2,964-69.4% | $3,958-77.1% | $3,835-76.3% |
| Admin fee / account holder | $3,729 | $657+467.4% | $6,033-38.2% | $1,002+272.1% |