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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 | $20,478 | $37,446-45.3% | $77,552-73.6% | $79,856-74.4% |
| Participation rate | 16.9% | 41.5%-24.6pp | 54.2%-37.2pp | 69.6%-52.7pp |
| Annual return | 12.18% | 39.76%-27.6pp | 54.82%-42.6pp | 31.71%-19.5pp |
| Employer contribution / active EE | $254 | $637-60.1% | $987-74.2% | $2,471-89.7% |
| Participant deferral / active EE | $768 | $1,261-39.1% | $1,861-58.7% | $3,741-79.5% |
| Admin fee / account holder | $1,095 | $2,506-56.3% | $2,859-61.7% | $5,306-79.4% |