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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 | $31,137 | $96,558-67.8% | $80,977-61.5% | $273,972-88.6% |
| Participation rate | 42.9% | 79.1%-36.2pp | 75.8%-33.0pp | 83.0%-40.2pp |
| Annual return | 16.03% | 15.14%+0.9pp | 17.11%-1.1pp | 41.46%-25.4pp |
| Employer contribution / active EE | $830 | $4,869-83.0% | $3,715-77.7% | $4,869-83.0% |
| Participant deferral / active EE | $5,087 | $6,598-22.9% | $5,696-10.7% | $5,287-3.8% |
| Admin fee / account holder | $423 | $7,493-94.4% | $5,517-92.3% | $10,133-95.8% |