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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 | $15,728 | $64,462-75.6% | $81,482-80.7% | $80,911-80.6% |
| Participation rate | 40.0% | 63.9%-23.9pp | 69.5%-29.5pp | 67.6%-27.6pp |
| Annual return | 16.79% | 16.35%+0.4pp | 24.79%-8.0pp | 35.63%-18.8pp |
| Employer contribution / active EE | $936 | $1,979-52.7% | $2,463-62.0% | $2,756-66.0% |
| Participant deferral / active EE | $1,641 | $3,094-47.0% | $3,885-57.8% | $4,297-61.8% |
| Admin fee / account holder | $589 | $5,678-89.6% | $5,761-89.8% | $6,935-91.5% |