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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 | $22,945 | $81,487-71.8% | $102,412-77.6% | $80,935-71.7% |
| Participation rate | 43.3% | 66.8%-23.5pp | 74.5%-31.2pp | 67.7%-24.3pp |
| Annual return | 15.90% | 25.60%-9.7pp | 24.94%-9.0pp | 35.66%-19.8pp |
| Employer contribution / active EE | $1,365 | $3,103-56.0% | $3,870-64.7% | $2,757-50.5% |
| Participant deferral / active EE | $2,669 | $3,871-31.0% | $5,060-47.3% | $4,299-37.9% |
| Admin fee / account holder | $441 | $6,717-93.4% | $8,388-94.7% | $6,924-93.6% |