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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 | $24,370 | $52,580-53.7% | $71,671-66.0% | $70,126-65.2% |
| Participation rate | 52.5% | 60.9%-8.4pp | 68.7%-16.2pp | 69.5%-17.0pp |
| Annual return | 12.43% | 20.25%-7.8pp | 20.65%-8.2pp | 73.15%-60.7pp |
| Employer contribution / active EE | $948 | $1,616-41.3% | $2,460-61.5% | $2,343-59.5% |
| Participant deferral / active EE | $1,873 | $2,386-21.5% | $3,438-45.5% | $3,332-43.8% |
| Admin fee / account holder | $448 | $3,653-87.7% | $5,558-91.9% | $4,645-90.4% |