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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 | $67,894-67.0% | $89,340-74.9% | $82,448-72.8% |
| Participation rate | 36.6% | 64.0%-27.5pp | 69.6%-33.0pp | 68.1%-31.5pp |
| Annual return | 15.59% | 19.21%-3.6pp | 20.57%-5.0pp | 41.64%-26.1pp |
| Employer contribution / active EE | $834 | $1,828-54.4% | $2,231-62.6% | $2,551-67.3% |
| Participant deferral / active EE | $1,283 | $3,072-58.2% | $3,823-66.4% | $4,139-69.0% |
| Admin fee / account holder | $5,661 | $5,723-1.1% | $6,704-15.6% | $7,234-21.8% |