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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 | $17,398 | $54,757-68.2% | $90,304-80.7% | $72,975-76.2% |
| Participation rate | 26.0% | 65.2%-39.1pp | 73.3%-47.2pp | 69.5%-43.4pp |
| Annual return | 27.20% | 30.63%-3.4pp | 78.13%-50.9pp | 81.01%-53.8pp |
| Employer contribution / active EE | $718 | $2,093-65.7% | $2,855-74.9% | $2,440-70.6% |
| Participant deferral / active EE | $1,372 | $2,887-52.5% | $3,885-64.7% | $3,608-62.0% |
| Admin fee / account holder | $4,105 | $3,973+3.3% | $5,354-23.3% | $5,124-19.9% |