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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 | $28,927 | $46,877-38.3% | $122,354-76.4% | $70,126-58.7% |
| Participation rate | 45.6% | 58.2%-12.6pp | 71.6%-26.1pp | 69.5%-24.0pp |
| Annual return | 16.73% | 24.22%-7.5pp | 30.28%-13.6pp | 73.15%-56.4pp |
| Employer contribution / active EE | $497 | $1,288-61.4% | $4,051-87.7% | $2,343-78.8% |
| Participant deferral / active EE | $1,351 | $2,167-37.7% | $3,287-58.9% | $3,332-59.5% |
| Admin fee / account holder | $982 | $3,324-70.5% | $5,479-82.1% | $4,645-78.9% |