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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 | $20,978 | $37,436-44.0% | $77,513-72.9% | $79,858-73.7% |
| Participation rate | 30.6% | 41.5%-11.0pp | 54.2%-23.6pp | 69.6%-39.1pp |
| Annual return | 13.76% | 39.75%-26.0pp | 54.81%-41.0pp | 31.72%-18.0pp |
| Employer contribution / active EE | $257 | $637-59.7% | $987-74.0% | $2,471-89.6% |
| Participant deferral / active EE | $1,339 | $1,261+6.2% | $1,861-28.1% | $3,740-64.2% |
| Admin fee / account holder | $4,394 | $2,505+75.4% | $2,859+53.7% | $5,306-17.2% |