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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 | $27,407 | $55,713-50.8% | $75,901-63.9% | $72,975-62.4% |
| Participation rate | 39.7% | 61.1%-21.4pp | 69.3%-29.6pp | 69.5%-29.8pp |
| Annual return | 27.30% | 27.60%-0.3pp | 30.76%-3.5pp | 81.01%-53.7pp |
| Employer contribution / active EE | $388 | $1,687-77.0% | $2,501-84.5% | $2,440-84.1% |
| Participant deferral / active EE | $1,813 | $2,634-31.2% | $3,603-49.7% | $3,608-49.7% |
| Admin fee / account holder | $450 | $3,980-88.7% | $5,420-91.7% | $5,124-91.2% |