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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 | $18,293 | $63,809-71.3% | $81,353-77.5% | $80,935-77.4% |
| Participation rate | 28.6% | 63.9%-35.3pp | 69.5%-41.0pp | 67.7%-39.1pp |
| Annual return | 23.22% | 16.37%+6.8pp | 24.82%-1.6pp | 35.66%-12.4pp |
| Employer contribution / active EE | $693 | $1,981-65.0% | $2,464-71.9% | $2,757-74.9% |
| Participant deferral / active EE | $1,440 | $3,093-53.4% | $3,885-62.9% | $4,299-66.5% |
| Admin fee / account holder | $2,657 | $5,686-53.3% | $5,766-53.9% | $6,924-61.6% |