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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 | $17,145 | $49,791-65.6% | $78,210-78.1% | $70,126-75.6% |
| Participation rate | 54.3% | 62.3%-8.0pp | 68.7%-14.4pp | 69.5%-15.3pp |
| Annual return | 17.87% | 20.75%-2.9pp | 40.90%-23.0pp | 73.15%-55.3pp |
| Employer contribution / active EE | $804 | $1,430-43.8% | $2,034-60.5% | $2,343-65.7% |
| Participant deferral / active EE | $1,747 | $2,150-18.8% | $2,823-38.1% | $3,332-47.6% |
| Admin fee / account holder | $361 | $3,181-88.6% | $3,758-90.4% | $4,645-92.2% |