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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 | $13,550 | $57,590-76.5% | $86,233-84.3% | $82,448-83.6% |
| Participation rate | 37.5% | 57.9%-20.4pp | 69.0%-31.5pp | 68.1%-30.6pp |
| Annual return | 21.17% | 22.41%-1.2pp | 61.39%-40.2pp | 41.64%-20.5pp |
| Employer contribution / active EE | $281 | $1,655-83.0% | $2,504-88.8% | $2,551-89.0% |
| Participant deferral / active EE | $1,192 | $3,080-61.3% | $4,559-73.9% | $4,139-71.2% |
| Admin fee / account holder | $613 | $4,730-87.0% | $8,342-92.7% | $7,234-91.5% |