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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 | $25,982 | $65,712-60.5% | $57,196-54.6% | $273,972-90.5% |
| Participation rate | 40.9% | 78.3%-37.4pp | 75.3%-34.4pp | 83.0%-42.1pp |
| Annual return | 5.70% | 22.01%-16.3pp | 14.59%-8.9pp | 41.46%-35.8pp |
| Employer contribution / active EE | $1,131 | $3,280-65.5% | $2,683-57.8% | $4,869-76.8% |
| Participant deferral / active EE | $2,264 | $3,782-40.1% | $3,096-26.9% | $5,287-57.2% |
| Admin fee / account holder | $3,147 | $4,838-34.9% | $3,141+0.2% | $10,133-68.9% |