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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 | $28,546 | $59,839-52.3% | $81,991-65.2% | $79,852-64.3% |
| Participation rate | 36.6% | 61.6%-25.0pp | 69.3%-32.7pp | 69.6%-33.1pp |
| Annual return | 16.51% | 17.56%-1.1pp | 41.31%-24.8pp | 31.72%-15.2pp |
| Employer contribution / active EE | $711 | $1,713-58.5% | $2,498-71.5% | $2,471-71.2% |
| Participant deferral / active EE | $1,879 | $2,695-30.3% | $3,722-49.5% | $3,740-49.8% |
| Admin fee / account holder | $6,081 | $4,287+41.8% | $5,665+7.4% | $5,306+14.6% |