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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 | $15,611 | $63,809-75.5% | $81,353-80.8% | $80,935-80.7% |
| Participation rate | 60.5% | 63.9%-3.4pp | 69.5%-9.0pp | 67.7%-7.1pp |
| Annual return | 12.89% | 16.37%-3.5pp | 24.82%-11.9pp | 35.66%-22.8pp |
| Employer contribution / active EE | $476 | $1,981-76.0% | $2,464-80.7% | $2,757-82.8% |
| Participant deferral / active EE | $1,261 | $3,093-59.2% | $3,885-67.5% | $4,299-70.7% |
| Admin fee / account holder | $1,863 | $5,686-67.2% | $5,766-67.7% | $6,924-73.1% |