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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 | $26,539 | $84,236-68.5% | $170,435-84.4% | $70,126-62.2% |
| Participation rate | 34.2% | 70.8%-36.7pp | 83.6%-49.4pp | 69.5%-35.4pp |
| Annual return | 13.06% | 23.06%-10.0pp | 205.94%-192.9pp | 73.15%-60.1pp |
| Employer contribution / active EE | $540 | $3,387-84.1% | $5,432-90.1% | $2,343-77.0% |
| Participant deferral / active EE | $1,235 | $3,086-60.0% | $4,939-75.0% | $3,332-62.9% |
| Admin fee / account holder | $5,494 | $5,698-3.6% | $13,881-60.4% | $4,645+18.3% |