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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 | $39,162 | $37,156+5.4% | $83,854-53.3% | $86,983-55.0% |
| Participation rate | 16.7% | 49.1%-32.4pp | 59.1%-42.4pp | 69.5%-52.9pp |
| Annual return | 19.42% | 29.88%-10.5pp | 31.39%-12.0pp | 25.83%-6.4pp |
| Employer contribution / active EE | $330 | $661-50.1% | $1,017-67.6% | $2,584-87.2% |
| Participant deferral / active EE | $597 | $1,418-57.9% | $2,035-70.6% | $4,194-85.8% |
| Admin fee / account holder | $2,570 | $2,510+2.4% | $3,197-19.6% | $7,856-67.3% |