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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 | $21,573 | $43,075-49.9% | $74,577-71.1% | $62,881-65.7% |
| Participation rate | 53.8% | 58.1%-4.2pp | 68.1%-14.3pp | 69.3%-15.5pp |
| Annual return | 5.72% | 17.50%-11.8pp | 20.47%-14.8pp | 20.14%-14.4pp |
| Employer contribution / active EE | $786 | $1,498-47.5% | $2,525-68.9% | $2,281-65.6% |
| Participant deferral / active EE | $1,409 | $2,389-41.0% | $3,458-59.3% | $3,203-56.0% |
| Admin fee / account holder | $3,113 | $2,840+9.6% | $4,138-24.8% | $4,296-27.5% |