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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 | $10,674 | $35,183-69.7% | $73,545-85.5% | $70,124-84.8% |
| Participation rate | 38.1% | 42.9%-4.8pp | 54.9%-16.8pp | 69.5%-31.4pp |
| Annual return | 19.33% | 26.90%-7.6pp | -15.16%+34.5pp | 73.14%-53.8pp |
| Employer contribution / active EE | $622 | $709-12.2% | $1,219-49.0% | $2,342-73.4% |
| Participant deferral / active EE | $753 | $1,220-38.2% | $1,806-58.3% | $3,332-77.4% |
| Admin fee / account holder | $1,798 | $2,302-21.9% | $2,320-22.5% | $4,645-61.3% |