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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 | $25,950 | $58,057-55.3% | $97,032-73.3% | $86,983-70.2% |
| Participation rate | 44.8% | 60.4%-15.5pp | 71.6%-26.7pp | 69.5%-24.7pp |
| Annual return | 15.30% | 22.26%-7.0pp | 35.38%-20.1pp | 25.83%-10.5pp |
| Employer contribution / active EE | $1,318 | $1,663-20.8% | $2,629-49.9% | $2,584-49.0% |
| Participant deferral / active EE | $2,355 | $3,244-27.4% | $4,672-49.6% | $4,194-43.8% |
| Admin fee / account holder | $620 | $4,839-87.2% | $9,418-93.4% | $7,856-92.1% |