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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 | $25,707 | $78,015-67.0% | $178,505-85.6% | $80,959-68.2% |
| Participation rate | 37.1% | 65.7%-28.5pp | 77.1%-40.0pp | 67.7%-30.5pp |
| Annual return | 13.38% | 18.10%-4.7pp | 27.16%-13.8pp | 35.67%-22.3pp |
| Employer contribution / active EE | $718 | $2,281-68.5% | $3,955-81.8% | $2,757-73.9% |
| Participant deferral / active EE | $4,137 | $4,406-6.1% | $6,280-34.1% | $4,300-3.8% |
| Admin fee / account holder | $7,725 | $7,160+7.9% | $10,428-25.9% | $6,925+11.5% |