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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 | $22,395 | $75,720-70.4% | $90,312-75.2% | $86,983-74.3% |
| Participation rate | 36.6% | 66.3%-29.7pp | 72.9%-36.3pp | 69.5%-33.0pp |
| Annual return | 15.59% | 18.55%-3.0pp | 18.90%-3.3pp | 25.83%-10.2pp |
| Employer contribution / active EE | $834 | $1,945-57.1% | $2,243-62.8% | $2,584-67.7% |
| Participant deferral / active EE | $1,283 | $3,001-57.2% | $3,749-65.8% | $4,194-69.4% |
| Admin fee / account holder | $5,661 | $6,201-8.7% | $8,248-31.4% | $7,856-27.9% |