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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 | $20,888 | $47,848-56.3% | $81,473-74.4% | $70,126-70.2% |
| Participation rate | 25.0% | 58.3%-33.3pp | 68.0%-43.0pp | 69.5%-44.5pp |
| Annual return | 16.77% | 27.25%-10.5pp | 38.78%-22.0pp | 73.15%-56.4pp |
| Employer contribution / active EE | $227 | $1,527-85.1% | $2,568-91.2% | $2,343-90.3% |
| Participant deferral / active EE | $2,602 | $2,453+6.1% | $3,537-26.4% | $3,332-21.9% |
| Admin fee / account holder | $1,269 | $3,145-59.7% | $4,561-72.2% | $4,645-72.7% |