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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 | $31,428 | $57,057-44.9% | $85,009-63.0% | $80,874-61.1% |
| Participation rate | 30.4% | 56.4%-25.9pp | 67.5%-37.1pp | 67.6%-37.2pp |
| Annual return | 15.03% | 21.66%-6.6pp | 66.47%-51.4pp | 35.62%-20.6pp |
| Employer contribution / active EE | $1,141 | $1,799-36.6% | $2,728-58.2% | $2,756-58.6% |
| Participant deferral / active EE | $2,872 | $3,112-7.7% | $4,522-36.5% | $4,297-33.2% |
| Admin fee / account holder | $1,209 | $4,986-75.8% | $6,153-80.4% | $6,935-82.6% |