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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 | $14,123 | $55,713-74.6% | $75,901-81.4% | $72,975-80.6% |
| Participation rate | 52.8% | 61.1%-8.3pp | 69.3%-16.5pp | 69.5%-16.7pp |
| Annual return | 18.78% | 27.60%-8.8pp | 30.76%-12.0pp | 81.01%-62.2pp |
| Employer contribution / active EE | $889 | $1,687-47.3% | $2,501-64.5% | $2,440-63.6% |
| Participant deferral / active EE | $1,443 | $2,634-45.2% | $3,603-60.0% | $3,608-60.0% |
| Admin fee / account holder | $333 | $3,980-91.6% | $5,420-93.9% | $5,124-93.5% |