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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 | $78,027-67.1% | $178,528-85.6% | $80,925-68.2% |
| Participation rate | 37.1% | 65.7%-28.5pp | 77.1%-40.0pp | 67.7%-30.5pp |
| Annual return | 13.38% | 18.09%-4.7pp | 27.11%-13.7pp | 35.65%-22.3pp |
| Employer contribution / active EE | $718 | $2,281-68.5% | $3,950-81.8% | $2,756-73.9% |
| Participant deferral / active EE | $4,137 | $4,408-6.1% | $6,278-34.1% | $4,299-3.8% |
| Admin fee / account holder | $7,725 | $7,168+7.8% | $10,419-25.9% | $6,940+11.3% |