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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 | $72,607-69.2% | $90,259-75.2% | $87,485-74.4% |
| Participation rate | 36.6% | 64.8%-28.2pp | 70.7%-34.2pp | 68.9%-32.3pp |
| Annual return | 15.59% | 18.59%-3.0pp | 18.88%-3.3pp | 26.06%-10.5pp |
| Employer contribution / active EE | $834 | $1,919-56.6% | $2,291-63.6% | $2,596-67.9% |
| Participant deferral / active EE | $1,283 | $3,055-58.0% | $3,827-66.5% | $4,274-70.0% |
| Admin fee / account holder | $5,661 | $5,947-4.8% | $7,267-22.1% | $7,775-27.2% |