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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 | $17,687 | $63,809-72.3% | $81,353-78.3% | $80,935-78.1% |
| Participation rate | 21.8% | 63.9%-42.1pp | 69.5%-47.7pp | 67.7%-45.8pp |
| Annual return | 13.62% | 16.37%-2.7pp | 24.82%-11.2pp | 35.66%-22.0pp |
| Employer contribution / active EE | $976 | $1,981-50.7% | $2,464-60.4% | $2,757-64.6% |
| Participant deferral / active EE | $1,183 | $3,093-61.8% | $3,885-69.6% | $4,299-72.5% |
| Admin fee / account holder | $392 | $5,686-93.1% | $5,766-93.2% | $6,924-94.3% |